Kia K5 Insurance Rates

The average insurance rates for a Kia K5 are $1,692 a year with full coverage. Comprehensive costs around $344, collision insurance costs $612, and liability insurance costs around $536. A liability-only policy costs as low as $606 a year, and high-risk insurance costs around $3,662. Teenage drivers cost the most to insure at up to $6,386 a year.

Average premium for full coverage: $1,692

Policy rates for type of insurance:

Includes $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all K5 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why everyone should compare prices for a specific zip code, rather than relying on average rates.

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

Rate Comparisons

The chart below details average Kia K5 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $979
• Using higher $1,000 deductibles will save about $216 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,692
• Using pricier low deductibles for physical damage coverage bumps up the cost to $2,116
• Drivers who are prone to accidents and violations could pay at least $3,662
• Policy cost that insures a teen driver for full coverage can be $6,386 or more

View Chart as Image

Car insurance rates for a Kia K5 also range considerably based on the model of your K5, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $2,000 to $2,800 extra every year, depending on your age. Kia K5 insurance for high-risk drivers can be anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $6,300 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $640 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Cheapest Kia K5 Insurance

Finding cheaper rates on Kia K5 insurance requires not taking risks behind the wheel, having a positive credit history, not filing small claims, and consideration of higher deductibles. Compare prices at every policy renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The following is a recap of the data covered above.

• Drivers who may need higher liability limits will pay an extra $590 every year to increase from a 30/60 limit to the 250/500 level
• You may be able to save up to $200 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $650 each year
• Teens are the costliest to insure, as much as $532 each month if full coverage is purchased