Kia K5 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Kia K5 are $1,692 a year including full coverage. Comprehensive insurance costs on average $344 a year, collision costs $612, and liability insurance costs $536. Liability-only coverage costs as little as $606 a year, with high-risk coverage costing $3,662 or more. 16-year-old drivers pay the highest rates at $6,386 a year or more.
Average premium for full coverage: $1,692
Price estimates by individual coverage:
Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and K5 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Kia K5 insurance prices go from as low as $606 for basic liability insurance to a high of $3,662 for a high-risk driver policy.
Geographic Price Range
Your location has a significant impact on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities.
The diagram below illustrates how rural and urban location affects car insurance rates.
The ranges above highlight why it is important to compare rates based on a specific location and risk profile, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below breaks down estimated Kia K5 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $979
- Drivers who choose higher $1,000 deductibles will pay around $1,476 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,692
- Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $424 a year
- High risk drivers with multiple tickets or accidents could pay upwards of $3,662 or more
- The price for full coverage for a teen driver may cost $6,386 a year
Auto insurance prices for a Kia K5 are also quite variable based on your driving record, the model of your K5, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles could pay as little as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $6,300 a year. View Rates by Age
The state you live in makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,300 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,410 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,530 | -$162 | -9.6% |
| Alaska | $1,298 | -$394 | -23.3% |
| Arizona | $1,404 | -$288 | -17.0% |
| Arkansas | $1,692 | -$0 | 0.0% |
| California | $1,928 | $236 | 13.9% |
| Colorado | $1,616 | -$76 | -4.5% |
| Connecticut | $1,740 | $48 | 2.8% |
| Delaware | $1,918 | $226 | 13.4% |
| Florida | $2,114 | $422 | 24.9% |
| Georgia | $1,562 | -$130 | -7.7% |
| Hawaii | $1,216 | -$476 | -28.1% |
| Idaho | $1,150 | -$542 | -32.0% |
| Illinois | $1,260 | -$432 | -25.5% |
| Indiana | $1,276 | -$416 | -24.6% |
| Iowa | $1,144 | -$548 | -32.4% |
| Kansas | $1,606 | -$86 | -5.1% |
| Kentucky | $2,308 | $616 | 36.4% |
| Louisiana | $2,506 | $814 | 48.1% |
| Maine | $1,046 | -$646 | -38.2% |
| Maryland | $1,396 | -$296 | -17.5% |
| Massachusetts | $1,352 | -$340 | -20.1% |
| Michigan | $2,938 | $1,246 | 73.6% |
| Minnesota | $1,418 | -$274 | -16.2% |
| Mississippi | $2,026 | $334 | 19.7% |
| Missouri | $1,502 | -$190 | -11.2% |
| Montana | $1,818 | $126 | 7.4% |
| Nebraska | $1,332 | -$360 | -21.3% |
| Nevada | $2,028 | $336 | 19.9% |
| New Hampshire | $1,218 | -$474 | -28.0% |
| New Jersey | $1,890 | $198 | 11.7% |
| New Mexico | $1,498 | -$194 | -11.5% |
| New York | $1,780 | $88 | 5.2% |
| North Carolina | $972 | -$720 | -42.6% |
| North Dakota | $1,388 | -$304 | -18.0% |
| Ohio | $1,168 | -$524 | -31.0% |
| Oklahoma | $1,736 | $44 | 2.6% |
| Oregon | $1,552 | -$140 | -8.3% |
| Pennsylvania | $1,614 | -$78 | -4.6% |
| Rhode Island | $2,260 | $568 | 33.6% |
| South Carolina | $1,534 | -$158 | -9.3% |
| South Dakota | $1,428 | -$264 | -15.6% |
| Tennessee | $1,482 | -$210 | -12.4% |
| Texas | $2,038 | $346 | 20.4% |
| Utah | $1,254 | -$438 | -25.9% |
| Vermont | $1,156 | -$536 | -31.7% |
| Virginia | $1,014 | -$678 | -40.1% |
| Washington | $1,308 | -$384 | -22.7% |
| West Virginia | $1,552 | -$140 | -8.3% |
| Wisconsin | $1,172 | -$520 | -30.7% |
| Wyoming | $1,508 | -$184 | -10.9% |
Opting for high physical damage deductibles could save up to $640 each year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $2,000 to $2,800 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and quoted prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia K5 | $370 | $656 | $498 | $1,724 |
| 2023 Kia K5 | $356 | $640 | $520 | $1,716 |
| 2022 Kia K5 | $344 | $612 | $536 | $1,692 |
| 2021 Kia K5 | $326 | $592 | $554 | $1,672 |
Rates are averaged for all Kia K5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Kia K5 Insurance
Getting lower rates on Kia K5 insurance not only requires having a good driving record, but also having good credit, being claim-free, and taking advantage of discounts. Set aside time to shop around every time your policy renews by quoting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a condensed summary of the information raised in the charts and tables above.
- You may be able to save as much as $200 per year simply by quoting early and online
- Drivers age 20 and younger are charged the highest prices, possibly costing $532 a month if they have full coverage
- Increasing physical damage deductibles can save around $650 each year
- High-risk drivers with multiple at-fault accidents may pay on average $1,970 more each year to buy Kia K5 insurance
- Drivers who require increased levels of liability coverage will pay around $590 per year to go from a low limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,386 |
| 20 | $3,904 |
| 30 | $1,756 |
| 40 | $1,692 |
| 50 | $1,546 |
| 60 | $1,516 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,116 |
| $250 | $1,920 |
| $500 | $1,692 |
| $1,000 | $1,476 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,692 |
| 50/100 | $1,799 |
| 100/300 | $1,933 |
| 250/500 | $2,282 |
| 100 CSL | $1,853 |
| 300 CSL | $2,148 |
| 500 CSL | $2,362 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,104 |
| 20 | $6,216 |
| 30 | $3,736 |
| 40 | $3,662 |
| 50 | $3,498 |
| 60 | $3,464 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $90 |
| Multi-vehicle | $89 |
| Homeowner | $26 |
| 5-yr Accident Free | $122 |
| 5-yr Claim Free | $109 |
| Paid in Full/EFT | $75 |
| Advance Quote | $83 |
| Online Quote | $119 |
| Total Discounts | $713 |
Discounts are estimated and may not be available from every company or in every state.
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