Kia K5 Insurance Rates

The average insurance rates for a Kia K5 are $1,692 a year including full coverage. Comprehensive insurance costs on average $344 each year, collision insurance costs $612, and liability coverage is estimated at $536. Liability-only coverage costs approximately $606 a year, and high-risk coverage costs $3,662 or more. 16-year-old drivers cost the most to insure at up to $6,386 a year.

Average premium for full coverage: $1,692

Policy rates by type of insurance:

These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and K5 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above highlight why all drivers should get quotes based on a specific location, rather than using rate averages.

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

Detailed Rate Analysis

The chart below breaks down average Kia K5 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $979
• Choosing higher $1,000 deductibles can save around $216 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,692
• Buying low deductibles for comp and collision coverage will cost an additional $424 each year
• Drivers with multiple tickets or accidents could pay upwards of $3,662
• Policy cost that insures a teenage driver may cost $6,386 each year

View Chart as Image

Insurance rates for a Kia K5 also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $2,000 to $2,800 additional every year, depending on your age. Insurance for high-risk drivers ranges around 44% to 132% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,600 annually on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $6,300 a year. View Rates by Age

Your home state 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 Missouri, New Hampshire, and Vermont, or at least $2,410 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $640 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Kia K5 Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Comparison shop every year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The items below are a brief summary of the coverage data covered above.

• You may be able to save as much as $200 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $650 each year
• Teen drivers pay higher rates, with premiums being up to $532 each month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,970 more each year to insure their K5