Kia K5 Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Kia K5 are $1,692 a year for full coverage. Comprehensive costs approximately $344 each year, collision insurance costs $612, and liability insurance is $536. Liability-only insurance costs around $606 a year, and high-risk driver insurance costs around $3,662. Teen drivers pay the most at up to $6,386 a year.

Average premium for full coverage: $1,692

Premium estimates by type of coverage:

Comprehensive $344
Collision $612
Liability $536

These estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and K5 models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Kia K5 range from the low end price of $606 for your basic liability-only policy to a high rate of $3,662 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how location impacts auto insurance prices.

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

These rate differences show why all drivers should compare rates quotes using their specific location, rather than relying on price 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.

More Rate Information

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

  • The lowest rate with discounts is $979
  • Raising to $1,000 deductibles will save $216 a year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,692
  • Choosing low deductibles bumps up the cost to $2,116
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,662
  • An auto insurance policy that insures a teen driver can cost $6,386

View Chart as Image

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

Insurance prices for a Kia K5 also have a wide range based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $2,000 to $2,800 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 132% more than average. 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 every 12 months on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,300 a year. View Rates by Age

Where you choose to live also has a big influence on Kia K5 insurance rates. A middle-age driver might find prices as low as $1,120 a year in states like Iowa, Maine, and Idaho, or as much as $2,410 on average in New York, Louisiana, 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

Choosing high deductibles can reduce prices by up to $640 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 more each year. View Rates by Deductible or Liability Limit

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 Find Cheap Kia K5 Insurance

Finding better rates on Kia K5 insurance consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and consideration of higher deductibles. Shop around at least once a year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

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

  • Drivers can save around $200 per year just by quoting online in advance
  • High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,970 more per year for K5 insurance
  • Increasing policy deductibles can save approximately $650 each year
  • Teens are the costliest to insure, as much as $532 per month if comprehensive and collision insurance is included

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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