Kia K5 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance prices for a Kia K5 are $1,692 every 12 months with full coverage. Comprehensive costs approximately $344 each year, collision costs $612, and liability is estimated at $536. A policy with just liability insurance costs approximately $606 a year, with coverage for high-risk drivers 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:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and K5 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Kia K5 insurance prices go from the cheapest price of $606 for a discount liability-only rate to a high rate of $3,662 for a high-risk driver policy.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. Rural locations have more infrequent collision claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance prices.
The ranges above demonstrate why all drivers should get quotes using their specific location and their own driving history, instead of 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.
Rates by State, City, and Model
The chart below details estimated Kia K5 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $979
- Choosing higher $1,000 deductibles can save $216 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,692
- Choosing low deductibles for comp and collision coverage increases the price to $2,116
- Unlucky drivers with multiple violations and an at-fault accident could pay around $3,662 or more
- The price to insure a teen driver can cost $6,386 each year
Insurance prices for a Kia K5 are also quite variable based on deductibles and policy limits, your driving record, and the model of your K5.
Choosing high deductibles can save as much as $640 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $483 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,600 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $6,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $2,000 to $2,800 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 132% more than average. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Kia K5 insurance prices. A good driver about age 40 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% |
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices 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 Shop for Affordable Kia K5 Insurance
Getting lower rates on car insurance takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every time your policy renews by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The points below are a brief review of the information raised in the charts and tables above.
- You may be able to save around $200 per year simply by quoting online in advance
- Drivers under the age of 20 are expensive to insure, costing up to $532 a month if they have full coverage
- Increasing physical damage deductibles could save as much as $650 each year
- Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,970 more per year to insure a Kia K5
- Policyholders who purchase increased liability limits will pay about $590 every year to raise limits from a low limit to a 250/500 level
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
