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 auto insurance rates for a Kia K5 are $1,692 annually for full coverage. Comprehensive insurance costs approximately $344 each year, collision costs $612, and liability insurance is estimated at $536. Liability-only coverage costs approximately $606 a year, with high-risk coverage costing $3,662 or more. 16-year-old 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, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and K5 models.
Price Range from Low to High
For a 40-year-old driver, Kia K5 insurance prices go from as cheap as $606 for just the minimum liability insurance to a high rate of $3,662 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on car insurance rates. Rural locations have fewer accident claims than congested cities.
The graphic below illustrates how your location can change auto insurance prices.
The ranges above show why all drivers should get quotes using their specific location and their own personal driving habits, 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.
Additional Rate Analysis
The chart below shows estimated Kia K5 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $979
- Choosing higher $1,000 deductibles can save $216 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,692
- Buying low deductibles for comp and collision coverage costs an additional $424 a year
- High-risk insureds with multiple tickets or accidents could pay around $3,662 or more
- The price with full coverage for a teen driver can cost $6,386 each year
Auto insurance prices for a Kia K5 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,600 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $6,300 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $2,000 to $2,800 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $640 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $483 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Kia K5 insurance rates. A good driver about age 40 could pay 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% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different 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 Affordable Kia K5 Insurance
Getting lower rates on Kia K5 insurance takes being a good driver, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to shop around at every policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a brief review of the data illustrated above.
- Drivers who purchase an increased level of liability coverage will pay around $590 each year to raise limits from a low limit to higher 250/500 limits
- Drivers can save around $200 per year simply by quoting online in advance
- Increasing physical damage deductibles could save up to $650 each year
- Drivers age 16 to 20 have the highest car insurance prices, with premiums as much as $532 a month if full coverage is included
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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