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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Estimated auto insurance rates for a Kia K5 are $1,716 annually for full coverage. Comprehensive costs approximately $356, collision insurance costs $640, and liability insurance is $520. Liability-only coverage costs around $592 a year, and high-risk coverage costs around $3,710. Teenage drivers pay the most at up to $6,430 a year.
Average premium for full coverage: $1,716
Premium estimates by type of coverage:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different K5 trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Kia K5 range from as cheap as $592 for the bare minimum liability coverage to a much higher rate of $3,710 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are statistically proven to have fewer accident claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than relying on average rates.
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.
Additional Rate Information
The chart below shows average Kia K5 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $991
- Raising to $1,000 deductibles will save $226 a year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,716
- Using more expensive low deductibles will cost $2,154
- Higher-risk drivers who are prone to accidents and violations could pay around $3,710
- An auto insurance policy with full coverage for a teen driver with full coverage can cost $6,430
Insurance prices for a Kia K5 also have a wide range based on the model of your K5, your driver profile, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $6,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying anywhere from $2,000 to $2,800 extra annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $670 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Kia K5 insurance rates. A middle-age driver might find prices as low as $1,130 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,450 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,550 | -$166 | -9.7% |
| Alaska | $1,314 | -$402 | -23.4% |
| Arizona | $1,422 | -$294 | -17.1% |
| Arkansas | $1,716 | -$0 | 0.0% |
| California | $1,952 | $236 | 13.8% |
| Colorado | $1,636 | -$80 | -4.7% |
| Connecticut | $1,762 | $46 | 2.7% |
| Delaware | $1,942 | $226 | 13.2% |
| Florida | $2,144 | $428 | 24.9% |
| Georgia | $1,582 | -$134 | -7.8% |
| Hawaii | $1,232 | -$484 | -28.2% |
| Idaho | $1,164 | -$552 | -32.2% |
| Illinois | $1,278 | -$438 | -25.5% |
| Indiana | $1,294 | -$422 | -24.6% |
| Iowa | $1,160 | -$556 | -32.4% |
| Kansas | $1,628 | -$88 | -5.1% |
| Kentucky | $2,338 | $622 | 36.2% |
| Louisiana | $2,538 | $822 | 47.9% |
| Maine | $1,058 | -$658 | -38.3% |
| Maryland | $1,416 | -$300 | -17.5% |
| Massachusetts | $1,372 | -$344 | -20.0% |
| Michigan | $2,978 | $1,262 | 73.5% |
| Minnesota | $1,436 | -$280 | -16.3% |
| Mississippi | $2,056 | $340 | 19.8% |
| Missouri | $1,522 | -$194 | -11.3% |
| Montana | $1,846 | $130 | 7.6% |
| Nebraska | $1,352 | -$364 | -21.2% |
| Nevada | $2,056 | $340 | 19.8% |
| New Hampshire | $1,234 | -$482 | -28.1% |
| New Jersey | $1,916 | $200 | 11.7% |
| New Mexico | $1,518 | -$198 | -11.5% |
| New York | $1,806 | $90 | 5.2% |
| North Carolina | $988 | -$728 | -42.4% |
| North Dakota | $1,406 | -$310 | -18.1% |
| Ohio | $1,184 | -$532 | -31.0% |
| Oklahoma | $1,760 | $44 | 2.6% |
| Oregon | $1,570 | -$146 | -8.5% |
| Pennsylvania | $1,636 | -$80 | -4.7% |
| Rhode Island | $2,288 | $572 | 33.3% |
| South Carolina | $1,556 | -$160 | -9.3% |
| South Dakota | $1,448 | -$268 | -15.6% |
| Tennessee | $1,502 | -$214 | -12.5% |
| Texas | $2,066 | $350 | 20.4% |
| Utah | $1,270 | -$446 | -26.0% |
| Vermont | $1,174 | -$542 | -31.6% |
| Virginia | $1,028 | -$688 | -40.1% |
| Washington | $1,326 | -$390 | -22.7% |
| West Virginia | $1,572 | -$144 | -8.4% |
| Wisconsin | $1,186 | -$530 | -30.9% |
| Wyoming | $1,530 | -$186 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia K5 | $384 | $660 | $488 | $1,732 |
| 2023 Kia K5 | $370 | $656 | $498 | $1,724 |
| 2022 Kia K5 | $356 | $640 | $520 | $1,716 |
| 2021 Kia K5 | $344 | $612 | $536 | $1,692 |
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 Buy Cheaper Kia K5 Insurance
Finding better rates on Kia K5 insurance consists of being safe and accident-free, having a good credit history, not filing small claims, and possibly raising deductibles. Invest the time to compare rates once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.
Below you'll find a condensed summary of the data that was presented in the illustrations above.
- Drivers can save around $210 per year just by shopping early and online
- Drivers who purchase more liability protection will pay an extra $570 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
- Youthful drivers are expensive to insure, as much as $536 per month including comprehensive and collision insurance
- High-risk drivers with multiple at-fault accidents pay on average $1,990 more per year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,430 |
| 20 | $3,958 |
| 30 | $1,786 |
| 40 | $1,716 |
| 50 | $1,564 |
| 60 | $1,534 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,154 |
| $250 | $1,952 |
| $500 | $1,716 |
| $1,000 | $1,490 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,716 |
| 50/100 | $1,820 |
| 100/300 | $1,950 |
| 250/500 | $2,288 |
| 100 CSL | $1,872 |
| 300 CSL | $2,158 |
| 500 CSL | $2,366 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,174 |
| 20 | $6,298 |
| 30 | $3,788 |
| 40 | $3,710 |
| 50 | $3,542 |
| 60 | $3,506 |
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 | $91 |
| Multi-vehicle | $90 |
| Homeowner | $26 |
| 5-yr Accident Free | $125 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $77 |
| Advance Quote | $84 |
| Online Quote | $121 |
| Total Discounts | $725 |
Discounts are estimated and may not be available from every company or in every state.
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