Kia K5 Insurance Rates

Average insurance prices for a Kia K5 are $1,692 every 12 months for full coverage. Comprehensive costs around $344 each year, collision insurance costs $612, and liability insurance is estimated at $536. Buying just liability costs approximately $606 a year, and insurance 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:

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

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than densely populated cities. The graphic below illustrates how your location can change auto insurance rates.

These examples show why all drivers should get quotes for a specific zip code and their own driving history, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below shows 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 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,692
• Using low deductibles for comp and collision coverage increases the price to $2,116
• High-risk insureds who are prone to accidents and violations could pay at least $3,662
• The cost to insure a teen driver can be $6,386 each year

View Chart as Image

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

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

More mature drivers with a good driving record and higher deductibles could pay as little as $1,600 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $6,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $2,000 to $2,800 in extra premium 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

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 $1,120 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

How to Shop for the Best Cheap Kia K5 Insurance

Saving money on Kia K5 insurance takes having a decent driving record, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to shop around once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a quick review of the data that was illustrated above.

• Drivers can save up to $200 per year just by quoting online in advance
• Drivers who may need additional liability coverage will pay an extra $590 each year to raise limits from a minimum limit to a 250/500 level
• 16 to 18-year-old drivers are expensive to insure, costing as high as $532 per month if comprehensive and collision insurance is included
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,970 more every year than a driver with a clean driving record