Kia K5 Insurance Rates

The average insurance rates for a Kia K5 are $1,692 a year for full coverage insurance. Comprehensive costs approximately $344 a year, collision insurance costs $612, and liability coverage costs $536. Buying just liability costs as little as $606 a year, and insurance for high-risk drivers costs around $3,662. Teens 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:

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and K5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance prices.

The examples above illustrate why it is important to compare rates using their specific location and risk profile, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $979
• Drivers who choose higher $1,000 deductibles will pay $1,476 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,692
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,116
• High-risk insureds with serious driving violations could pay around $3,662
• Policy cost for full coverage for a teenage driver can cost $6,386 a year

View Chart as Image

Insurance rates for a Kia K5 also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $6,300 a year. View Rates by Age

Your home state makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,280 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $640 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $2,000 to $2,800 extra every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 132% more than the average policy. View High Risk Driver Rates

How to Find Affordable Kia K5 Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also maintaining good credit, being claim-free, and possibly raising deductibles. Take the time to comparison shop once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

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

• It is possible to save around $200 per year just by quoting early and online
• Consumers who purchase additional liability coverage will pay approximately $590 annually to go from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, possibly costing $532 each month for full coverage
• Drivers with DUI or reckless driving convictions may pay on average $1,970 more per year than a driver with a clean driving record