Kia K5 Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated auto insurance rates for a Kia K5 are $1,692 annually for full coverage insurance. Comprehensive costs an estimated $344, collision costs $612, and liability insurance costs $536. Liability-only coverage costs as little as $606 a year, with high-risk coverage costing around $3,662. Teenage drivers pay the most at $6,386 a year or more.

Average premium for full coverage: $1,692

Premium estimates broken down by type of coverage:

Comprehensive $344
Collision $612
Liability $536

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for all K5 models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Kia K5 go from as cheap as $606 for basic liability insurance to the much higher price of $3,662 for a high-risk driver policy.

Liability Only $606
Full Coverage $1,692
High Risk $3,662

Insurance Price Range by Location

Your location has a significant impact on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The example below illustrates the difference location can make on insurance prices.

Rural Areas $1,269
Small Cities $1,777
Large Cities $2,284

These rate differences illustrate why everyone should compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.

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.

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Rate Comparisons

The chart below illustrates estimated Kia K5 insurance rates for other coverage scenarios.

  • The best discount rate is $979
  • Drivers who choose higher $1,000 deductibles will pay approximately $216 each year
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,692
  • Using pricier low deductibles for comprehensive and collision insurance will cost $2,116
  • High risk drivers who are prone to accidents and violations could pay up to $3,662 or more
  • An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $6,386 a year

View Chart as Image

Kia K5 insurance cost comparison chart
Column chart showing full coverage Kia K5 insurance rates range from $979 to $6,386

Insurance prices for a Kia K5 also have a wide range based on the model of your K5, your risk profile, and liability limits and deductibles.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $6,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $2,000 to $2,800 extra annually, depending on your age. Kia K5 insurance for high-risk drivers can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $640 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $483 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,280 on average in Florida, New York, and Michigan.

Kia K5 Insurance Rates by State
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%

View Chart as Image

Kia K5 insurance rates by U.S. city

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Every company uses a different method to calculate prices, so the prices will be substantially different between companies.

Kia K5 Insurance Rates by Model Year
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 More Affordable Kia K5 Insurance

Finding better rates on Kia K5 insurance not only requires having a decent driving record, but also having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a summary of the information touched on in this article.

  • It is possible to save approximately $200 per year simply by quoting online well ahead of the renewal date
  • 16 to 18-year-old drivers are charged the highest prices, with premiums being up to $532 per month including comprehensive and collision insurance
  • Increasing policy deductibles could save up to $650 each year
  • High-risk drivers who have multiple accidents or major violations may pay on average $1,970 more annually than a driver with a clean driving record
  • Drivers who want additional liability coverage will pay an extra $590 annually to go from 30/60 bodily injury limits to higher 250/500 limits

Rates by Driver Age

Kia K5 Insurance 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

Kia K5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,116
$250 $1,920
$500 $1,692
$1,000 $1,476

Full coverage, driver age 40

Rates by Liability Limit

Kia K5 Insurance Rates with Different Liability Limits
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

Kia K5 Insurance 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.

SR-22 Surcharge $235

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
Rate after discounts $979

Discounts are estimated and may not be available from every company or in every state.

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