Kia K5 Insurance Rates

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UPDATED: Mar 28, 2024

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Average auto insurance rates for a Kia K5 are $1,692 annually with full coverage. Comprehensive costs approximately $344, collision insurance costs $612, and liability is estimated at $536. Buying just liability costs approximately $606 a year, and insurance for high-risk drivers costs around $3,662. 16-year-old drivers receive the highest rates at up to $6,386 a year.

Average premium for full coverage: $1,692

Rate estimates by individual coverage type:

Comprehensive $344
Collision $612
Liability $536

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for all K5 models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from as cheap as $606 for the bare minimum liability coverage to the much higher price of $3,662 for high-risk insurance.

Liability Only $606
Full Coverage $1,692
High Risk $3,662

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have fewer collision claims than congested cities. The example below illustrates how where you live affects auto insurance prices.

Rural Areas $1,269
Small Cities $1,777
Large Cities $2,284

These examples demonstrate why everyone should get quotes using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

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Additional Rate Information

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

  • The best full coverage rate is $979
  • Choosing higher $1,000 deductibles can save $216 annually
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,692
  • Buying pricier low deductibles for comp and collision coverage will cost $2,116
  • Higher-risk drivers with multiple tickets or accidents could pay around $3,662
  • The cost with full coverage for a 16-year-old driver for full coverage can cost $6,386 each year

View Chart as Image

Kia K5 insurance cost comparison chart
Column chart showing Kia K5 insurance rates range from $979 to $6,386 for full coverage

Auto insurance rates for a Kia K5 can also vary considerably based on the trim level of your K5, your driving record, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,600 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have 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 may be forking out anywhere from $2,000 to $2,800 in extra premium per year, depending on your age. Kia K5 insurance for high-risk drivers ranges from 44% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $640 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Kia K5 insurance prices. A good driver about age 40 could pay as low as $1,220 a year in states like Utah, Ohio, and New Hampshire, or at least $2,280 on average in New York, Michigan, and Florida.

Kia K5 Insurance Rates by State
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%

View Chart as Image

Kia K5 insurance rates by U.S. city
Kia K5 Insurance Rates by Model Year
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 Affordable Kia K5 Insurance

Saving money on insurance for a Kia K5 takes being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop every couple of years by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a brief review of the material that was touched on in the above illustrations.

  • Insureds who purchase more liability coverage will pay around $590 every year to raise limits from a minimum limit to higher 250/500 limits
  • Teen drivers have the highest car insurance rates, with premiums as much as $532 per month if full coverage is included
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,970 more per year to insure their K5
  • Increasing deductibles could save up to $650 each year

Rates by Driver Age

Kia K5 Insurance 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

Kia K5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,116
$250 $1,920
$500 $1,692
$1,000 $1,476

Full coverage, driver age 40

Rates by Liability Limit

Kia K5 Insurance Rates with Different Liability Limits
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

Kia K5 Insurance 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.

SR-22 Surcharge $235

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
Rate after discounts $979

Discounts are estimated and may not be available from every company or in every state.

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