Kia K5 Insurance Rates

Estimated insurance rates for a Kia K5 are $1,692 a year with full coverage. Comprehensive insurance costs approximately $344 a year, collision insurance costs $612, and liability is estimated at $536. A policy with only liability insurance costs approximately $606 a year, and a high-risk policy costs $3,662 or more. Teenage drivers pay the most at up to $6,386 a year.

Average premium for full coverage: $1,692

Premium estimates by type of coverage:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and K5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how location impacts auto insurance prices.

These rate differences demonstrate why it is important to get quotes using their specific location and risk profile, instead of using average rates.

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

Detailed Rate Analysis

The chart below details average Kia K5 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $979
• Choosing higher $1,000 deductibles can save $1,476 annually
• The average rate for a 40-year-old good driver who chooses $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 around $3,662
• An auto insurance policy for full coverage for a teen driver can cost $6,386 each year

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Car insurance prices for a Kia K5 also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $6,300 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Kia K5 insurance prices. A good driver about age 40 could pay as low as $1,220 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,280 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles can save as much as $640 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $2,000 to $2,800 extra annually, 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 the Cheapest Kia K5 Insurance

Finding better rates on car insurance takes having a decent driving record, having above-average credit, being claim-free, and attention to physical damage deductibles. Spend time shopping around at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a recap of the primary concepts that were touched on above.

• You may be able to save around $200 per year just by quoting early and online
• Higher risk drivers that have major violations or accidents pay on average $1,970 more per year than a driver with a clean driving record
• Increasing policy deductibles can save around $650 each year
• 16 to 18-year-old drivers pay the highest auto insurance prices, possibly costing $532 per month if full coverage is included