Kia K5 Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance prices for a Kia K5 are $1,692 every 12 months including full coverage. Comprehensive costs an estimated $344 each year, collision costs $612, and liability coverage is estimated at $536. A liability-only policy costs approximately $606 a year, with high-risk insurance costing around $3,662. Teen drivers pay the most at $6,386 a year or more.

Average premium for full coverage: $1,692

Premium estimates broken down by type of coverage:

Comprehensive $344
Collision $612
Liability $536

Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and K5 models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Kia K5 go from the cheapest price of $606 for the bare minimum liability coverage to a high rate of $3,662 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates the effect of geographic area on insurance prices.

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

These rate differences highlight why all drivers should get quotes for a targeted area and their own driving history, rather than using price averages.

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

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Additional Rate Information

The chart below breaks down estimated Kia K5 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $979
  • Choosing higher $1,000 deductibles can save approximately $216 every year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,692
  • Choosing low deductibles for comp and collision coverage increases the price to $2,116
  • Drivers with multiple violations and an at-fault accident could pay up to $3,662 or more
  • An auto insurance policy to insure a teenage driver can cost as much as $6,386 each year

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

Auto insurance prices for a Kia K5 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles can save as much as $640 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $483 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $6,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $2,000 to $2,800 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges around 44% to 132% more than average. View High Risk Driver Rates

Where you choose to live 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 Vermont, New Hampshire, and Missouri, or as much as $2,410 on average in Louisiana, New York, and Michigan.

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

With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different.

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 Shop for Affordable Kia K5 Insurance

Finding better rates on auto insurance takes being a low-risk driver, having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Take the time to compare rates once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The items below are a brief review of the data that was covered in the above illustrations.

  • You may be able to save approximately $200 per year simply by quoting online in advance
  • Consumers who want more liability coverage will pay about $590 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
  • Teen drivers are the costliest to insure, with the cost nearing $532 per month if comprehensive and collision insurance is included
  • Drivers with DUI or reckless driving convictions may have to pay on average $1,970 more annually to insure their K5

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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