Kia K5 Insurance Rates

The average insurance rates for a Kia K5 are $1,716 a year for full coverage. Comprehensive costs around $356 each year, collision insurance costs $640, and liability costs around $520. Liability-only insurance costs as low as $592 a year, and high-risk driver insurance costs around $3,710. Teen drivers cost the most to insure at up to $6,430 a year.

Average premium for full coverage: $1,716

Policy rates for type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and K5 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how geographic area affects auto insurance rates.

The examples above show why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $991
• Using higher $1,000 deductibles will save about $226 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,716
• Choosing low deductibles for physical damage coverage will increase the cost to $2,154
• High-risk insureds with multiple violations and an at-fault accident could pay at least $3,710
• Policy cost for full coverage for a 16-year-old driver can be $6,430 or more

View Chart as Image

Auto insurance rates for a Kia K5 also range considerably based on your risk profile, the trim level of your K5, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $6,400 a year. View Rates by Age

Your home state has a huge impact on Kia K5 insurance prices. A driver around age 40 might see rates as low as $1,130 a year in states like Idaho, Maine, and Iowa, or as much as $2,450 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $670 annually, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $2,000 to $2,800 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than average. View High Risk Driver Rates

How to Find the Best Kia K5 Insurance

Finding cheaper rates on insurance for a Kia K5 requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at least once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The list below is a brief recap of the primary concepts that were presented in the illustrations above.

• Drivers can save up to $210 per year just by quoting online in advance
• Drivers considered higher risk who tend to receive serious violations may be required to pay an average of $1,990 more every year for car insurance
• Increasing comprehensive and collision deductibles can save around $675 each year
• Teenagers are expensive to insure, costing up to $536 each month if they have full coverage