Kia K5 Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Kia K5 are $1,716 a year with full coverage. Comprehensive costs an estimated $356 each year, collision costs $640, and liability insurance costs $520. A policy with just liability insurance costs as little as $592 a year, with coverage for high-risk drivers costing around $3,710. 16-year-old drivers receive the highest rates at $6,430 a year or more.

Average premium for full coverage: $1,716

Rate estimates broken down by individual coverage type:

Comprehensive $356
Collision $640
Liability $520

Estimates include $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and K5 models.

Price Range by Coverage and Risk

For the normal driver, prices range go from the low end price of $592 for just liability coverage to a high rate of $3,710 for a high-risk insurance policy.

Liability Only $592
Full Coverage $1,716
High Risk $3,710

Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities.

The graphic below illustrates how geographic area affects insurance prices.

Rural Areas $1,287
Small Cities $1,802
Large Cities $2,317

These examples demonstrate why all drivers should compare rates for a targeted area, rather than relying on rate 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.

Detailed Rate Analysis

The chart below details estimated Kia K5 insurance rates for other coverage scenarios.

  • The best full coverage rate is $991
  • Drivers who choose higher $1,000 deductibles will pay approximately $226 annually
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,716
  • Buying low deductibles for comprehensive and collision insurance bumps up the cost to $2,154
  • High risk drivers with multiple tickets or accidents could pay up to $3,710 or more
  • The cost that insures a teen driver can cost as much as $6,430 a year

View Chart as Image

Kia K5 insurance cost comparison chart
Column chart showing full coverage Kia K5 insurance rates range from $991 to $6,430

Insurance rates for a Kia K5 can also vary considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $2,000 to $2,800 additional per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 130% more than the average rate. 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 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $6,400 a year. View Rates by Age

Where you live makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,230 a year in states like Utah, Ohio, and New Hampshire, or at least $2,310 on average in New York, Michigan, and Florida.

Kia K5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,550 -$166 -9.7%
Alaska $1,314 -$402 -23.4%
Arizona $1,422 -$294 -17.1%
Arkansas $1,716 -$0 0.0%
California $1,952 $236 13.8%
Colorado $1,636 -$80 -4.7%
Connecticut $1,762 $46 2.7%
Delaware $1,942 $226 13.2%
Florida $2,144 $428 24.9%
Georgia $1,582 -$134 -7.8%
Hawaii $1,232 -$484 -28.2%
Idaho $1,164 -$552 -32.2%
Illinois $1,278 -$438 -25.5%
Indiana $1,294 -$422 -24.6%
Iowa $1,160 -$556 -32.4%
Kansas $1,628 -$88 -5.1%
Kentucky $2,338 $622 36.2%
Louisiana $2,538 $822 47.9%
Maine $1,058 -$658 -38.3%
Maryland $1,416 -$300 -17.5%
Massachusetts $1,372 -$344 -20.0%
Michigan $2,978 $1,262 73.5%
Minnesota $1,436 -$280 -16.3%
Mississippi $2,056 $340 19.8%
Missouri $1,522 -$194 -11.3%
Montana $1,846 $130 7.6%
Nebraska $1,352 -$364 -21.2%
Nevada $2,056 $340 19.8%
New Hampshire $1,234 -$482 -28.1%
New Jersey $1,916 $200 11.7%
New Mexico $1,518 -$198 -11.5%
New York $1,806 $90 5.2%
North Carolina $988 -$728 -42.4%
North Dakota $1,406 -$310 -18.1%
Ohio $1,184 -$532 -31.0%
Oklahoma $1,760 $44 2.6%
Oregon $1,570 -$146 -8.5%
Pennsylvania $1,636 -$80 -4.7%
Rhode Island $2,288 $572 33.3%
South Carolina $1,556 -$160 -9.3%
South Dakota $1,448 -$268 -15.6%
Tennessee $1,502 -$214 -12.5%
Texas $2,066 $350 20.4%
Utah $1,270 -$446 -26.0%
Vermont $1,174 -$542 -31.6%
Virginia $1,028 -$688 -40.1%
Washington $1,326 -$390 -22.7%
West Virginia $1,572 -$144 -8.4%
Wisconsin $1,186 -$530 -30.9%
Wyoming $1,530 -$186 -10.8%

View Chart as Image

Kia K5 insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $670 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, and rates can be significantly different.

Kia K5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Kia K5 $384 $660 $488 $1,732
2023 Kia K5 $370 $656 $498 $1,724
2022 Kia K5 $356 $640 $520 $1,716
2021 Kia K5 $344 $612 $536 $1,692

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 Low Cost Kia K5 Insurance

Saving money on Kia K5 insurance not only requires not taking risks behind the wheel, but also having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Comparison shop at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a review of the car insurance concepts presented in the illustrations above.

  • High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,990 more annually for K5 insurance
  • You may be able to save approximately $210 per year simply by quoting online in advance
  • Increasing deductibles can save approximately $675 each year
  • Drivers who want higher liability limits will pay around $570 every year to go from a minimum limit to the 250/500 level

Rates by Driver Age

Kia K5 Insurance Rates by Driver Age
Driver Age Premium
16 $6,430
20 $3,958
30 $1,786
40 $1,716
50 $1,564
60 $1,534

Full coverage, $500 deductibles

Rates by Deductible

Kia K5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,154
$250 $1,952
$500 $1,716
$1,000 $1,490

Full coverage, driver age 40

Rates by Liability Limit

Kia K5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,716
50/100 $1,820
100/300 $1,950
250/500 $2,288
100 CSL $1,872
300 CSL $2,158
500 CSL $2,366

Full coverage, driver age 40

Rates for High Risk Drivers

Kia K5 Insurance Rates for High Risk Drivers
Age Premium
16 $9,174
20 $6,298
30 $3,788
40 $3,710
50 $3,542
60 $3,506

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 $239

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $91
Multi-vehicle $90
Homeowner $26
5-yr Accident Free $125
5-yr Claim Free $111
Paid in Full/EFT $77
Advance Quote $84
Online Quote $121
Total Discounts $725
Rate after discounts $991

Discounts are estimated and may not be available from every company or in every state.

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