Kia K5 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Kia K5 are $1,692 annually with full coverage. Comprehensive costs an estimated $344 a year, collision costs $612, and liability coverage costs around $536. Liability-only insurance costs as low as $606 a year, with high-risk driver insurance costing around $3,662. 16-year-old drivers cost the most to insure at $6,386 a year or more.
Average premium for full coverage: $1,692
Policy rates broken down by type of insurance:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and K5 trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Kia K5 insurance rates go from as cheap as $606 for a discount liability-only rate to a high of $3,662 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities.
The diagram below illustrates how rural and urban location affects insurance prices.
The examples above demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below details estimated Kia K5 insurance rates for other coverage scenarios.
- The best full coverage rate is $979
- Using higher $1,000 deductibles will save approximately $1,476 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,692
- Buying low $100 deductibles for physical damage coverage will cost $2,116
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,662 or more
- Policy cost with full coverage for a teenage driver can cost as much as $6,386 or more
Auto insurance rates for a Kia K5 also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $6,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out $2,000 to $2,800 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 44% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $640 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $483 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Kia K5 insurance rates. A driver around age 40 might see rates as low as $1,220 a year in states like Utah, Ohio, and New Hampshire, or at least $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% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, and quoted rates will be varied between companies.
| 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 Buy Cheaper Kia K5 Insurance
Finding cheaper rates on auto insurance requires avoiding accidents and violations, having above-average credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a condensed summary of the coverage data raised in the charts and tables above.
- You may be able to save approximately $200 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $650 each year
- Teenagers are the costliest to insure, as much as $532 each month if full coverage is included
- Drivers with multiple at-fault accidents pay on average $1,970 more annually for car insurance
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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