Kia K5 Insurance Rates

U.S. average insurance prices for a Kia K5 are $1,692 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $344 each year, collision insurance costs $612, and liability coverage costs $536. A policy with just liability insurance costs as little as $606 a year, and coverage for high-risk drivers costs $3,662 or more. Teens pay the highest rates at up to $6,386 a year.

Average premium for full coverage: $1,692

Price estimates by individual coverage:

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and K5 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. Rural locations have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.

The ranges above illustrate why all drivers should compare rates using their specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Information

The chart below illustrates average Kia K5 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $979
• Drivers who choose higher $1,000 deductibles will pay $216 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,692
• Selecting low deductibles for comprehensive and collision insurance costs an extra $424 each year
• High-risk insureds with serious driving violations could pay around $3,662
• The price to insure a teenage driver can cost $6,386 a year

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Insurance prices for a Kia K5 are also quite variable based on deductibles and policy limits, your risk profile, and the model of your K5.

Choosing higher comprehensive and collision insurance deductibles could save up to $640 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $483 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $6,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $2,000 to $2,800 extra each year, depending on your age. Insurance for high-risk drivers can cost around 44% to 132% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,280 on average in Florida, New York, and Michigan.

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How to Shop for Low Cost Kia K5 Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a review of the coverage data covered in the charts and tables above.

• It is possible to save around $200 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $650 each year
• Teenage drivers are expensive to insure, as much as $532 a month if they have full coverage
• Drivers who have several accidents or serious violations may have to pay on average $1,970 more per year for auto insurance