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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Estimated insurance rates for a Kia K5 are $1,692 a year for full coverage. Comprehensive costs approximately $344, collision insurance costs $612, and liability insurance costs around $536. A policy with only liability insurance costs as low as $606 a year, and a high-risk policy costs around $3,662. 16-year-old drivers pay the most at up to $6,386 a year.
Average premium for full coverage: $1,692
Premium estimates by type of coverage:
Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for all K5 models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Kia K5 range from as low as $606 for your basic liability-only policy to the much higher price of $3,662 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than congested cities. The example below illustrates how location impacts auto insurance prices.
These rate differences show why everyone should compare prices using their specific location and risk profile, rather than relying on 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.
More Rate Information
The chart below shows average Kia K5 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $979
- Using higher $1,000 deductibles will save $216 a year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,692
- Buying pricier low deductibles for physical damage coverage will increase the cost to $2,116
- Drivers with multiple tickets or accidents could pay around $3,662
- An auto insurance policy for full coverage for a teen driver for full coverage can cost $6,386 or more
Car insurance prices for a Kia K5 also have a wide range based on your driving characteristics, the trim level of your K5, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles could pay as little as $1,600 a year, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged in the ballpark of $6,300 a year. View Rates by Age
Where you choose to live has a huge impact on Kia K5 insurance rates. A driver around age 40 might see prices as low as $1,120 a year in states like Iowa, Maine, and Idaho, or at least $2,410 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $640 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $483 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying anywhere from $2,000 to $2,800 extra annually, depending on your age. Kia K5 insurance for high-risk drivers can be anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates
| 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 Cheaper Kia K5 Insurance
Finding better rates on Kia K5 insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and attention to physical damage deductibles. Spend time shopping around once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a condensed summary of the data that was touched on above.
- Drivers can save around $200 per year just by quoting online well ahead of the renewal date
- Drivers who purchase higher levels of liability will pay around $590 each year to increase from 30/60 bodily injury limits to 250/500 limits
- Teenage drivers pay the highest auto insurance prices, as much as $532 per month if full coverage is included
- High-risk drivers with multiple at-fault accidents may pay on average $1,970 more per year for auto 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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