Kia K5 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Kia K5 are $1,692 a year with full coverage. Comprehensive costs approximately $344 a year, collision costs $612, and liability coverage costs $536. Liability-only insurance costs as little as $606 a year, with high-risk driver insurance costing around $3,662. Teen drivers pay the highest rates at $6,386 a year or more.
Average premium for full coverage: $1,692
Price estimates by individual coverage:
Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and K5 trim levels.
Price Range from Low to High
For the average driver, Kia K5 insurance prices go from the low end price of $606 for liability-only coverage to a high of $3,662 for coverage for higher-risk drivers.
Geographic Price Range
Your location has a large influence on the price of insurance. Rural locations have lower incidents of collision claims than larger metro areas.
The diagram below illustrates how location impacts auto insurance prices.
The ranges above demonstrate why it is important to compare rates using their specific location, rather than using price 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.
Additional Charts and Tables
The chart below details estimated Kia K5 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $979
- Drivers who choose higher $1,000 deductibles will pay $1,476 annually
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,692
- Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,116
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,662 or more
- The price that insures a teenage driver can cost $6,386 a year
Car insurance prices for a Kia K5 are also quite variable based on the trim level of your K5, your age and driving habits, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you may be forking out anywhere from $2,000 to $2,800 extra each year, depending on your age. A high-risk auto insurance policy can cost around 44% to 132% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,600 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $6,300 a year. View Rates by Age
The state you live in makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,220 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,280 on average in New York, Michigan, and Florida.
| 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% |
Choosing high deductibles could save up to $640 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see how they stack up. Every company uses a different rate calculation, so rate quotes may be quite different.
| 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 Best Kia K5 Insurance
Getting lower rates on auto insurance not only requires being a low-risk driver, but also having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Shop around at least once a year by requesting quotes from direct companies, and also from local insurance agencies.
The items below are a brief recap of the primary concepts that were touched on above.
- You may be able to save around $200 per year simply by quoting early and online
- Drivers who tend to receive serious violations may have to pay on average $1,970 more per year to insure their K5
- Increasing physical damage deductibles can save approximately $650 each year
- Teen drivers pay the highest auto insurance prices, costing up to $532 a month if full coverage is purchased
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,116 |
| $250 | $1,920 |
| $500 | $1,692 |
| $1,000 | $1,476 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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