Kia K5 Insurance Rates

Estimated insurance prices for a Kia K5 are $1,716 every 12 months for full coverage. Comprehensive costs on average $356 a year, collision insurance costs $640, and liability is estimated at $520. A liability-only policy costs approximately $592 a year, and high-risk insurance costs around $3,710. Teenage drivers pay the most at up to $6,430 a year.

Average premium for full coverage: $1,716

Premium estimates by type of coverage:

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and K5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.

These rate differences show why it is important to get quotes based on a specific location and their own driving history, instead of 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 different risk profiles and scenarios.

• The best discount rate is $991
• Choosing higher $1,000 deductibles can save around $1,490 a year
• The average price for a 40-year-old good driver with $500 deductibles is $1,716
• Using low $100 deductibles for comp and collision coverage increases the price to $2,154
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,710
• An auto insurance policy to insure a teen driver may cost $6,430 each year

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Auto insurance prices for a Kia K5 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your K5.

Using high physical damage deductibles can save as much as $670 every year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $6,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $2,000 to $2,800 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Kia K5 insurance prices. A good driver about age 40 could pay as low as $1,130 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,450 on average in Michigan, Louisiana, and New York.

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How to Shop for Affordable Kia K5 Insurance

Finding better rates on car insurance takes being a low-risk driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around every other policy renewal by quoting rates from direct carriers, and also from local independent and exclusive agents.

The items below are a brief review of the ideas that were touched on above.

• Teen drivers are charged the highest prices, as much as $536 per month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions pay an average of $1,990 more each year to insure their K5
• Increasing policy deductibles could save as much as $675 each year
• Drivers can save as much as $210 per year just by quoting early and online