Kia K5 Insurance Rates

The average insurance rates for a Kia K5 are $1,692 a year with full coverage. Comprehensive costs approximately $344 a year, collision insurance costs $612, and liability insurance costs $536. Buying just liability costs as little as $606 a year, and insurance for high-risk drivers 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 by type of insurance:

Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and K5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.

The examples above demonstrate why it is important to compare rates using their specific location, rather than relying on average rates.

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

More Rate Details

The chart below details average 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 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,692
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,116
• High risk drivers who are prone to accidents and violations could pay around $3,662
• Policy cost that insures a teen driver can cost $6,386 a year

View Chart as Image

Insurance rates for a Kia K5 also range considerably based on the trim level of your K5, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $2,000 to $2,800 extra every year, 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

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $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 can expect to pay in the ballpark of $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 $1,220 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,280 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $640 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

How to Find Cheaper Kia K5 Insurance

Finding cheaper rates on Kia K5 insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and possibly raising deductibles. Compare prices every other policy renewal by requesting rates from direct companies, and also from local insurance agencies.

The following is a condensed summary of the ideas that were touched on in the above illustrations.

• Teens are expensive to insure, as much as $532 each month if full coverage is included
• High-risk drivers with multiple at-fault accidents may have to pay on average $1,970 more per year for K5 insurance
• Increasing comprehensive and collision deductibles can save approximately $650 each year
• You may be able to save around $200 per year just by quoting early and online