Kia K5 Insurance Rates

The average insurance rates for a Kia K5 are $1,692 a year for full coverage insurance. Comprehensive insurance costs an estimated $344 a year, collision insurance costs $612, and liability costs $536. Liability-only insurance costs as little as $606 a year, and high-risk driver insurance costs $3,662 or more. Teenage drivers cost the most to insure at up to $6,386 a year.

Average premium for full coverage: $1,692

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and K5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how where you live affects insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area and risk profile, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $979
• Drivers who choose higher $1,000 deductibles will pay approximately $1,476 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,692
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $424 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,662
• Policy cost for full coverage for a teen driver can cost as much as $6,386 a year

View Chart as Image

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

Older drivers with a good driving record and high deductibles may pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $6,300 a year. View Rates by Age

Your home state makes a big difference in Kia K5 insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,280 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $640 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $483 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $2,000 to $2,800 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Kia K5 Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having good credit, being claim-free, and consideration of higher deductibles. Take the time to comparison shop every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief review of the coverage data touched on in the above illustrations.

• It is possible to save approximately $200 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $650 each year
• Drivers age 16 to 20 are the costliest to insure, possibly costing $532 each month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,970 more annually than a safer driver