Kia K5 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Average auto insurance rates for a Kia K5 are $1,692 annually including full coverage. Comprehensive costs approximately $344 a year, collision costs $612, and liability insurance is estimated at $536. A liability-only policy costs approximately $606 a year, with high-risk insurance costing around $3,662. Teens receive the highest rates at $6,386 a year or more.
Average premium for full coverage: $1,692
Rate estimates by individual coverage type:
These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and K5 trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $606 for minimum levels of liability insurance to a high of $3,662 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city has a significant impact on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates the effect of geographic area on auto insurance prices.
These examples highlight why it is important to get quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below breaks down estimated Kia K5 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $979
- Choosing higher $1,000 deductibles can save $1,476 every year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,692
- Selecting low $100 deductibles for comp and collision coverage will cost $2,116
- High-risk insureds with serious driving violations could pay around $3,662 or more
- The cost with full coverage for a teen driver can cost $6,386 each year
Insurance rates for a Kia K5 can also vary considerably based on the trim level of your K5, your driving characteristics, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,600 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $6,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $2,000 to $2,800 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $640 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $483 more per year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Kia K5 insurance rates. A good driver about age 40 could pay as low as $1,300 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,410 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,530 | -$162 | -9.6% |
| Alaska | $1,298 | -$394 | -23.3% |
| Arizona | $1,404 | -$288 | -17.0% |
| Arkansas | $1,692 | -$0 | 0.0% |
| California | $1,928 | $236 | 13.9% |
| Colorado | $1,616 | -$76 | -4.5% |
| Connecticut | $1,740 | $48 | 2.8% |
| Delaware | $1,918 | $226 | 13.4% |
| Florida | $2,114 | $422 | 24.9% |
| Georgia | $1,562 | -$130 | -7.7% |
| Hawaii | $1,216 | -$476 | -28.1% |
| Idaho | $1,150 | -$542 | -32.0% |
| Illinois | $1,260 | -$432 | -25.5% |
| Indiana | $1,276 | -$416 | -24.6% |
| Iowa | $1,144 | -$548 | -32.4% |
| Kansas | $1,606 | -$86 | -5.1% |
| Kentucky | $2,308 | $616 | 36.4% |
| Louisiana | $2,506 | $814 | 48.1% |
| Maine | $1,046 | -$646 | -38.2% |
| Maryland | $1,396 | -$296 | -17.5% |
| Massachusetts | $1,352 | -$340 | -20.1% |
| Michigan | $2,938 | $1,246 | 73.6% |
| Minnesota | $1,418 | -$274 | -16.2% |
| Mississippi | $2,026 | $334 | 19.7% |
| Missouri | $1,502 | -$190 | -11.2% |
| Montana | $1,818 | $126 | 7.4% |
| Nebraska | $1,332 | -$360 | -21.3% |
| Nevada | $2,028 | $336 | 19.9% |
| New Hampshire | $1,218 | -$474 | -28.0% |
| New Jersey | $1,890 | $198 | 11.7% |
| New Mexico | $1,498 | -$194 | -11.5% |
| New York | $1,780 | $88 | 5.2% |
| North Carolina | $972 | -$720 | -42.6% |
| North Dakota | $1,388 | -$304 | -18.0% |
| Ohio | $1,168 | -$524 | -31.0% |
| Oklahoma | $1,736 | $44 | 2.6% |
| Oregon | $1,552 | -$140 | -8.3% |
| Pennsylvania | $1,614 | -$78 | -4.6% |
| Rhode Island | $2,260 | $568 | 33.6% |
| South Carolina | $1,534 | -$158 | -9.3% |
| South Dakota | $1,428 | -$264 | -15.6% |
| Tennessee | $1,482 | -$210 | -12.4% |
| Texas | $2,038 | $346 | 20.4% |
| Utah | $1,254 | -$438 | -25.9% |
| Vermont | $1,156 | -$536 | -31.7% |
| Virginia | $1,014 | -$678 | -40.1% |
| Washington | $1,308 | -$384 | -22.7% |
| West Virginia | $1,552 | -$140 | -8.3% |
| Wisconsin | $1,172 | -$520 | -30.7% |
| Wyoming | $1,508 | -$184 | -10.9% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, so the rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia K5 | $370 | $656 | $498 | $1,724 |
| 2023 Kia K5 | $356 | $640 | $520 | $1,716 |
| 2022 Kia K5 | $344 | $612 | $536 | $1,692 |
| 2021 Kia K5 | $326 | $592 | $554 | $1,672 |
Rates are averaged for all Kia K5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheap Kia K5 Insurance
Saving money on Kia K5 insurance takes avoiding accidents and claims, having a good credit history, not filing small claims, and maximizing policy discounts. Take the time to compare rates every other policy renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.
The points below are a brief summary of the ideas that were covered in the above illustrations.
- Drivers under the age of 20 are expensive to insure, as much as $532 per month including comprehensive and collision insurance
- High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,970 more per year to insure a Kia K5
- Increasing deductibles could save up to $650 each year
- You may be able to save around $200 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,386 |
| 20 | $3,904 |
| 30 | $1,756 |
| 40 | $1,692 |
| 50 | $1,546 |
| 60 | $1,516 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,116 |
| $250 | $1,920 |
| $500 | $1,692 |
| $1,000 | $1,476 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,692 |
| 50/100 | $1,799 |
| 100/300 | $1,933 |
| 250/500 | $2,282 |
| 100 CSL | $1,853 |
| 300 CSL | $2,148 |
| 500 CSL | $2,362 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,104 |
| 20 | $6,216 |
| 30 | $3,736 |
| 40 | $3,662 |
| 50 | $3,498 |
| 60 | $3,464 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $90 |
| Multi-vehicle | $89 |
| Homeowner | $26 |
| 5-yr Accident Free | $122 |
| 5-yr Claim Free | $109 |
| Paid in Full/EFT | $75 |
| Advance Quote | $83 |
| Online Quote | $119 |
| Total Discounts | $713 |
Discounts are estimated and may not be available from every company or in every state.
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