Kia K5 Insurance Rates

Average insurance rates for a Kia K5 are $1,692 a year for full coverage insurance. Comprehensive costs an estimated $344 each year, collision insurance costs $612, and liability is $536. A policy with just liability insurance costs around $606 a year, and coverage for high-risk drivers costs around $3,662. 16-year-old drivers receive the highest rates at up to $6,386 a year.

Average premium for full coverage: $1,692

Rate estimates broken down by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and K5 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how location impacts insurance prices.

These examples illustrate why all drivers should compare rates quotes for a targeted area, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates average Kia K5 insurance rates for other coverage scenarios.

• The best full coverage rate is $979
• Raising to $1,000 deductibles will save approximately $216 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,692
• Buying low deductibles bumps up the cost to $2,116
• Drivers with multiple tickets or accidents could pay up to $3,662
• The cost that insures a 16-year-old driver can cost as much as $6,386

View Chart as Image

Insurance rates for a Kia K5 can also vary considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $2,000 to $2,800 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 132% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,600 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $6,300 a year. View Rates by Age

Where you live also has a big influence on Kia K5 insurance prices. A middle-age driver might find rates as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,280 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $640 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $483 more each year. View Rates by Deductible or Liability Limit

How to Find Cheaper Kia K5 Insurance

Saving money on insurance for a Kia K5 consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a condensed summary of the coverage data touched on above.

• It is possible to save approximately $200 per year just by quoting online in advance
• Increasing deductibles can save approximately $650 each year
• Teenagers are expensive to insure, costing up to $532 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,970 more annually for car insurance