Kia K5 Insurance Rates

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

Average premium for full coverage: $1,692

Rate estimates by individual coverage type:

These estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and K5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why it is important to get quotes based on a specific location and risk profile, instead of using average rates.

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

Additional Rate Information

The chart below shows average Kia K5 insurance rates for different risk profiles and scenarios.

• The best discount rate is $979
• Choosing higher $1,000 deductibles can save around $1,476 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,692
• Using low $100 deductibles for comp and collision coverage will cost an extra $424 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,662
• The cost for full coverage for a teen driver may cost $6,386 each year

View Chart as Image

Auto insurance rates for a Kia K5 can also vary considerably based on your driver profile, the trim level of your K5, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may pay as little as $1,600 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $6,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Kia K5 insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,410 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $640 every year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $2,000 to $2,800 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Kia K5 Insurance

Saving money on car insurance takes not taking risks behind the wheel, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Set aside time to compare rates at least once a year by quoting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following is a brief summary of the primary concepts that were covered above.

• Drivers can save as much as $200 per year just by quoting early and online
• Higher risk drivers that tend to have accidents or serious violations will pay on average $1,970 more each year for K5 insurance
• Increasing deductibles can save around $650 each year
• Teens are charged the highest rates, costing as high as $532 per month if they have full coverage