Kia K5 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Kia K5 are $1,716 every 12 months with full coverage. Comprehensive costs approximately $356 a year, collision costs $640, and liability insurance is estimated at $520. Liability-only insurance costs approximately $592 a year, with high-risk driver insurance costing around $3,710. Teen drivers pay the most at $6,430 a year or more.
Average premium for full coverage: $1,716
Premium estimates by type of coverage:
These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and K5 trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Kia K5 go from the cheapest price of $592 for liability-only coverage to a high of $3,710 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than larger metro areas.
The diagram below illustrates how your location can change auto insurance prices.
These rate differences demonstrate why it is important to get quotes using their specific location and their own driving history, 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.
Additional Charts and Tables
The chart below details estimated Kia K5 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $991
- Choosing higher $1,000 deductibles can save $1,490 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,716
- Choosing low $100 deductibles for comp and collision coverage increases the price to $2,154
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,710 or more
- An auto insurance policy to insure a teen driver can cost $6,430 each year
Insurance prices for a Kia K5 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your K5.
Choosing high deductibles can save as much as $670 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $6,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $2,000 to $2,800 additional annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Kia K5 insurance rates. A good driver about age 40 could pay as low as $1,230 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,310 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and prices will be substantially different.
| 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 Shop for Cheap Kia K5 Insurance
Finding better rates on Kia K5 insurance takes being a low-risk driver, having above-average credit, being claim-free, and qualifying for all possible discounts. Invest the time to shop around at every other renewal by getting quotes from direct companies, and also from insurance agencies where you live.
The items below are a brief summary of the concepts that were illustrated above.
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,990 more per year to insure their K5
- Teen drivers are the costliest to insure, possibly costing $536 per month if full coverage is included
- You may be able to save around $210 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $675 each year
- You may be able to save around $210 per year simply by quoting early and online
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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