Kia K5 Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Kia K5 are $1,692 a year for full coverage. Comprehensive costs on average $344 each year, collision costs $612, and liability coverage costs around $536. Buying just liability costs as low as $606 a year, with insurance for high-risk drivers costing around $3,662. 16-year-old drivers pay the highest rates at $6,386 a year or more.

Average premium for full coverage: $1,692

Price estimates by individual coverage:

Comprehensive $344
Collision $612
Liability $536

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and K5 models.

Price Range from Low to High

Using a middle-aged driver as an example, Kia K5 insurance prices go from as low as $606 for just the minimum liability insurance to a high rate of $3,662 for a high-risk driver policy.

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

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have a lower frequency of accident claims than congested cities.

The graphic below illustrates how where you live affects car insurance rates.

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

The ranges above show why all drivers should compare prices based on a specific location and risk profile, rather than using rate averages.

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.

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Additional Rate Analysis

The chart below shows estimated Kia K5 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $979
  • Using higher $1,000 deductibles will save around $216 a year
  • The average rate for the average middle-age driver with $500 deductibles is $1,692
  • Buying low deductibles for physical damage coverage will increase the cost to $2,116
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,662 or more
  • The price for full coverage for a teenage driver may cost $6,386 or more

View Chart as Image

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

Insurance prices for a Kia K5 are also quite variable based on your driving record, the trim level of your K5, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,600 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $6,300 a year. View Rates by Age

The state you live in has a huge impact on Kia K5 insurance rates. A driver around age 40 might see prices as low as $1,120 a year in states like Idaho, Maine, and Iowa, or at least $2,410 on average in Michigan, Louisiana, and New York.

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

Opting for high physical damage deductibles could cut prices by as much as $640 a year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $2,000 to $2,800 additional each year, depending on your age. Insurance for high-risk drivers can be around 44% to 132% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and prices may be quite different from one company to the next.

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 Find the Cheapest Kia K5 Insurance

Getting lower rates on auto insurance requires having a decent driving record, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by quoting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The following items are a recap of the information touched on in the above illustrations.

  • Drivers can save as much as $200 per year simply by quoting online in advance
  • 16 to 18-year-old drivers pay higher prices, with premiums as much as $532 a month including comprehensive and collision insurance
  • Increasing physical damage deductibles can save around $650 each year
  • Drivers that have major violations or accidents will pay on average $1,970 more each year than a driver with a clean driving record
  • Consumers who require additional liability coverage will pay around $590 each year to increase from a low limit to 250/500 limits

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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