Kia K5 Insurance Rates

The average auto insurance rates for a Kia K5 are $1,716 annually including full coverage. Comprehensive insurance costs an estimated $356 each year, collision insurance costs $640, and liability insurance costs around $520. Liability-only insurance costs as low as $592 a year, and high-risk driver insurance costs $3,710 or more. 16-year-old drivers cost the most to insure at up to $6,430 a year.

Average premium for full coverage: $1,716

Policy rates broken down by type of insurance:

These estimates include $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and K5 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates the effect of geographic area on insurance prices.

The examples above highlight why all drivers should compare prices for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Details

The chart below breaks down average Kia K5 insurance rates for other coverage scenarios.

• The best full coverage rate is $991
• Using higher $1,000 deductibles will save approximately $226 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,716
• Buying low deductibles for physical damage coverage costs an additional $438 a year
• Drivers with multiple tickets or accidents could pay up to $3,710
• Policy cost with full coverage for a teen driver can cost as much as $6,430 or more

View Chart as Image

Auto insurance rates for a Kia K5 also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $6,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $2,000 to $2,800 in extra premium every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $670 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Kia K5 insurance rates. A driver around age 40 might see rates as low as $1,310 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,450 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy Cheap Kia K5 Insurance

Finding cheaper rates on Kia K5 insurance requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to compare rates every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a brief summary of the coverage data covered in the above illustrations.

• You may be able to save approximately $210 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $675 each year
• Teens are the costliest to insure, with premiums being up to $536 each month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,990 more annually for K5 insurance