Kia K5 Insurance Rates

The average insurance rates for a Kia K5 are $1,692 a year including full coverage. Comprehensive costs around $344 each year, collision insurance costs $612, and liability is $536. Liability-only coverage costs around $606 a year, and high-risk coverage costs around $3,662. Teens cost the most to insure at up to $6,386 a year.

Average premium for full coverage: $1,692

Policy rates for type of insurance:

Includes $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and K5 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance rates.

The examples above highlight why all drivers should compare rates quotes for a specific zip code, instead of using averaged prices.

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

Additional Rate Information

The chart below breaks down average Kia K5 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $979
• Raising to $1,000 deductibles will save about $216 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,692
• Selecting low deductibles bumps up the cost to $2,116
• At-risk drivers with serious driving violations could pay at least $3,662
• Policy cost that insures a teen driver can be $6,386

View Chart as Image

Insurance rates for a Kia K5 also range considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $2,000 to $2,800 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $6,300 a year. View Rates by Age

Your home state also has a big influence on Kia K5 insurance prices. A middle-age driver might find rates as low as $1,300 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,410 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $640 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Kia K5 Insurance

Finding cheaper rates on car insurance consists of being a good driver, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare rates every year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following list is a recap of the coverage data touched on above.

• You may be able to save up to $200 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $650 each year
• Drivers age 16 to 20 are charged the highest rates, with premiums being up to $532 each month if comprehensive and collision insurance is included
• Higher risk drivers that have major violations or accidents may have to pay on average $1,970 more every year than a safer driver