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 insurance prices for a Kia K5 are $1,692 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $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. Teenage drivers pay the most at $6,386 a year or more.
Average premium for full coverage: $1,692
Premium estimates by type of coverage:
Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and K5 trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Kia K5 go from the cheapest price of $606 for minimum levels of liability insurance to a high of $3,662 for a high-risk driver policy.
Insurance Price Range by Location
Your location has a significant impact on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.
The diagram below illustrates how geographic area affects auto insurance prices.
These rate differences illustrate why it is important to compare rates using their specific location and their own driving history, 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 Details
The chart below illustrates estimated Kia K5 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $979
- Drivers who choose higher $1,000 deductibles will pay $1,476 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,692
- Using low $100 deductibles for comprehensive and collision insurance costs an extra $424 a year
- High risk drivers who are prone to accidents and violations could pay around $3,662 or more
- An auto insurance policy to insure a teen driver can cost $6,386 a year
Insurance prices for a Kia K5 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your K5.
Using high physical damage deductibles could save up to $640 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $483 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $6,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $2,000 to $2,800 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,280 on average in Florida, New York, and Michigan.
| 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% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, so the prices will be substantially different.
| 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 Shop for the Best Kia K5 Insurance
Finding better rates on Kia K5 insurance not only requires being a low-risk driver, but also having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by requesting rates from direct insurance companies, and also from local insurance agencies.
The items below are a brief recap of the information presented in the illustrations above.
- It is possible to save around $200 per year simply by quoting early and online
- Teen drivers are expensive to insure, with premiums being up to $532 per month if they have full coverage
- Increasing policy deductibles could save as much as $650 each year
- High-risk drivers who tend to receive serious violations may have to pay on average $1,970 more per year to insure their K5
- Drivers who purchase more liability coverage will pay an extra $590 annually to go from 30/60 bodily injury limits to a 250/500 level
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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