Kia K5 Insurance Rates

The average insurance rates for a Kia K5 are $1,692 a year for full coverage. Comprehensive insurance costs around $344 each year, collision insurance costs $612, and liability coverage costs $536. Liability-only coverage costs as little as $606 a year, and high-risk coverage costs $3,662 or more. 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:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and K5 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance rates.

The examples above show why all drivers should compare rates for a specific zip code, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $979
• Drivers who choose higher $1,000 deductibles will pay about $216 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,692
• Using low deductibles for comprehensive and collision insurance will cost an additional $424 each year
• High-risk insureds who are prone to accidents and violations could pay at least $3,662
• Policy cost that insures a teenage driver can be $6,386 a year

View Chart as Image

Insurance rates for a Kia K5 also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $2,000 to $2,800 additional every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $6,300 a year. View Rates by Age

Your home state makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,410 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $640 a year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

How to Find Low Cost Kia K5 Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare prices every couple of years by requesting rates from direct carriers, and also from several local insurance agents.

Below is a review of the material that was presented in the illustrations above.

• Consumers who may need higher levels of liability will pay an extra $590 each year to go from a 30/60 limit to the 250/500 level
• Teenage drivers are charged the highest rates, costing up to $532 each month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations pay on average $1,970 more every year for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $650 each year