Kia K5 Insurance Rates

U.S. average insurance rates for a Kia K5 are $1,692 a year for full coverage. Comprehensive insurance costs on average $344, collision insurance costs $612, and liability insurance costs around $536. A policy with just liability insurance costs as low as $606 a year, and coverage for high-risk drivers costs $3,662 or more. Teenage drivers pay the highest rates at up to $6,386 a year.

Average premium for full coverage: $1,692

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all K5 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than densely populated cities. The example below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above show why everyone should compare prices based on a specific location and risk profile, rather than relying on 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
• Using higher $1,000 deductibles will save around $216 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,692
• Using pricier low deductibles for physical damage coverage will cost an extra $424 a year
• Drivers who are prone to accidents and violations could pay upwards of $3,662
• The price for full coverage for a teen driver for full coverage may cost $6,386 or more

View Chart as Image

Insurance prices for a Kia K5 are also quite variable based on your driving record, the trim level of your K5, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,600 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $6,300 a year. View Rates by Age

The state you live in has a huge impact on Kia K5 insurance rates. A driver around age 40 might see prices 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 could cut prices by as much as $640 each year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $2,000 to $2,800 extra each year, depending on your age. Kia K5 insurance for high-risk drivers can be anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Kia K5 Insurance

Getting lower rates on Kia K5 insurance requires having a decent driving record, maintaining good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Set aside time to compare rates at every other renewal by requesting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The following items are a brief review of the concepts that were covered above.

• High-risk drivers with DUI or reckless driving convictions will pay on average $1,970 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers pay the highest prices, with premiums as much as $532 a month for full coverage
• Drivers can save as much as $200 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $650 each year
• Drivers can save as much as $200 per year just by quoting online well ahead of the renewal date