Kia K5 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Kia K5 are $1,716 a year including full coverage. Comprehensive insurance costs approximately $356 each year, collision costs $640, and liability coverage costs around $520. A policy with just liability insurance costs as low as $592 a year, with coverage for high-risk drivers costing $3,710 or more. Teens pay the highest rates at $6,430 a year or more.
Average premium for full coverage: $1,716
Price estimates by individual coverage:
Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and K5 models.
Price Range from Low to High
For the average driver, Kia K5 insurance prices go from as low as $592 for your basic liability-only policy to a high rate of $3,710 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live has a large influence on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how location impacts auto insurance prices.
The ranges above highlight why all drivers should compare prices using their specific location and risk profile, rather than using averaged prices.
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 breaks down estimated Kia K5 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $991
- Using higher $1,000 deductibles will save $226 every year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,716
- Selecting low deductibles for physical damage coverage will cost an extra $438 each year
- Higher-risk drivers with serious driving violations could pay around $3,710 or more
- The price for full coverage for a teenage driver can cost $6,430 or more
Insurance prices for a Kia K5 are also quite variable based on your driving record, the model of your K5, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high deductibles may only pay around $1,600 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $6,400 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 $1,310 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,450 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $670 a year, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $2,000 to $2,800 extra each year, depending on your age. Insurance for high-risk drivers can be around 44% to 130% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, so the prices may be quite different from one company to the next.
| 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 More Affordable Kia K5 Insurance
Getting lower rates on auto insurance requires having a good driving record, maintaining good credit, being claim-free, and maximizing policy discounts. Spend time shopping around once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The next list is a summary of the data that was touched on above.
- You may be able to save around $210 per year simply by quoting online in advance
- Consumers who purchase increased levels of liability coverage will pay approximately $570 per year to increase from a low limit to 250/500 limits
- Drivers age 20 and younger are expensive to insure, possibly costing $536 a month for full coverage
- Drivers who have multiple accidents or major violations could be forced to pay on average $1,990 more per year to buy Kia K5 insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,154 |
| $250 | $1,952 |
| $500 | $1,716 |
| $1,000 | $1,490 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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