Kia K5 Insurance Rates

The average insurance prices for a Kia K5 are $1,692 every 12 months with full coverage. Comprehensive insurance costs an estimated $344 each year, collision insurance costs $612, and liability costs around $536. A liability-only policy costs as low as $606 a year, and high-risk insurance costs $3,662 or more. Teens cost the most to insure at up to $6,386 a year.

Average premium for full coverage: $1,692

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and K5 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why all drivers should compare prices for a targeted area and their own driving history, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $979
• Using higher $1,000 deductibles will save approximately $216 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,692
• Selecting low deductibles for physical damage coverage costs an extra $424 every year
• Drivers with serious driving violations could pay up to $3,662
• Policy cost to insure a teen driver can cost as much as $6,386 or more

View Chart as Image

Car insurance rates for a Kia K5 also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $640 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $6,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $2,000 to $2,800 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 132% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Kia K5 insurance prices. A driver around age 40 might see rates as low as $1,220 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,280 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for the Best Cheap Kia K5 Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to compare rates at least once a year by requesting quotes from direct companies, and also from your local independent and exclusive agents.

Below is a quick review of the primary concepts that were covered above.

• You may be able to save approximately $200 per year just by quoting online in advance
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,970 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $650 each year
• Teenage drivers have the highest car insurance rates, as much as $532 each month if the policy includes full coverage