Kia K5 Insurance Rates

Average insurance rates for a Kia K5 are $1,692 a year including full coverage. Comprehensive costs around $344 each year, collision insurance costs $612, and liability insurance is estimated at $536. A policy with just liability insurance costs approximately $606 a year, and coverage for high-risk drivers costs around $3,662. Teenage drivers receive the highest rates at up to $6,386 a year.

Average premium for full coverage: $1,692

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and K5 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance rates.

These examples highlight why all drivers should get quotes for a specific zip code, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down average Kia K5 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $979
• Choosing higher $1,000 deductibles can save about $216 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,692
• Using low deductibles for comp and collision coverage bumps up the cost to $2,116
• High-risk insureds who are prone to accidents and violations could pay at least $3,662
• The cost that insures a teen driver can be $6,386 each year

View Chart as Image

Insurance rates for a Kia K5 can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $2,000 to $2,800 additional per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,600 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $6,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Kia K5 insurance rates. A good driver about age 40 could pay as low as $1,300 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,410 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $640 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $483 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Kia K5 Insurance

Saving money on Kia K5 insurance takes being a good driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a brief summary of the car insurance concepts touched on in the above illustrations.

• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,970 more every year than a safer driver
• You may be able to save up to $200 per year just by quoting online in advance
• Increasing deductibles can save approximately $650 each year
• Drivers who may need an increased level of liability coverage will pay an extra $590 per year to raise limits from a minimum limit to the 250/500 level