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 prices for a Kia K5 are $1,692 every 12 months for full coverage. Comprehensive costs an estimated $344, collision costs $612, and liability insurance is estimated at $536. A policy with just liability insurance costs approximately $606 a year, with coverage for high-risk drivers costing around $3,662. Teens pay the highest rates at $6,386 a year or more.
Average premium for full coverage: $1,692
Price estimates broken down by individual coverage:
Includes $500 deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different K5 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Kia K5 insurance prices go from the cheapest price of $606 for basic liability insurance to a much higher rate of $3,662 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on insurance rates. More rural locations have more infrequent accident claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects insurance prices.
The ranges above show why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than relying on 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.
Rate Comparisons
The chart below shows estimated Kia K5 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $979
- Choosing higher $1,000 deductibles can save approximately $216 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,692
- Selecting more expensive low deductibles for comp and collision coverage increases the price to $2,116
- High-risk insureds with serious driving violations could pay up to $3,662 or more
- The price to insure a teen driver with full coverage can cost as much as $6,386 each year
Insurance prices for a Kia K5 are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can save as much as $640 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $483 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,600 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $6,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $2,000 to $2,800 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Kia K5 insurance rates. A good driver about age 40 could pay as low as $1,120 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,410 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,530 | -$162 | -9.6% |
| Alaska | $1,298 | -$394 | -23.3% |
| Arizona | $1,404 | -$288 | -17.0% |
| Arkansas | $1,692 | -$0 | 0.0% |
| California | $1,928 | $236 | 13.9% |
| Colorado | $1,616 | -$76 | -4.5% |
| Connecticut | $1,740 | $48 | 2.8% |
| Delaware | $1,918 | $226 | 13.4% |
| Florida | $2,114 | $422 | 24.9% |
| Georgia | $1,562 | -$130 | -7.7% |
| Hawaii | $1,216 | -$476 | -28.1% |
| Idaho | $1,150 | -$542 | -32.0% |
| Illinois | $1,260 | -$432 | -25.5% |
| Indiana | $1,276 | -$416 | -24.6% |
| Iowa | $1,144 | -$548 | -32.4% |
| Kansas | $1,606 | -$86 | -5.1% |
| Kentucky | $2,308 | $616 | 36.4% |
| Louisiana | $2,506 | $814 | 48.1% |
| Maine | $1,046 | -$646 | -38.2% |
| Maryland | $1,396 | -$296 | -17.5% |
| Massachusetts | $1,352 | -$340 | -20.1% |
| Michigan | $2,938 | $1,246 | 73.6% |
| Minnesota | $1,418 | -$274 | -16.2% |
| Mississippi | $2,026 | $334 | 19.7% |
| Missouri | $1,502 | -$190 | -11.2% |
| Montana | $1,818 | $126 | 7.4% |
| Nebraska | $1,332 | -$360 | -21.3% |
| Nevada | $2,028 | $336 | 19.9% |
| New Hampshire | $1,218 | -$474 | -28.0% |
| New Jersey | $1,890 | $198 | 11.7% |
| New Mexico | $1,498 | -$194 | -11.5% |
| New York | $1,780 | $88 | 5.2% |
| North Carolina | $972 | -$720 | -42.6% |
| North Dakota | $1,388 | -$304 | -18.0% |
| Ohio | $1,168 | -$524 | -31.0% |
| Oklahoma | $1,736 | $44 | 2.6% |
| Oregon | $1,552 | -$140 | -8.3% |
| Pennsylvania | $1,614 | -$78 | -4.6% |
| Rhode Island | $2,260 | $568 | 33.6% |
| South Carolina | $1,534 | -$158 | -9.3% |
| South Dakota | $1,428 | -$264 | -15.6% |
| Tennessee | $1,482 | -$210 | -12.4% |
| Texas | $2,038 | $346 | 20.4% |
| Utah | $1,254 | -$438 | -25.9% |
| Vermont | $1,156 | -$536 | -31.7% |
| Virginia | $1,014 | -$678 | -40.1% |
| Washington | $1,308 | -$384 | -22.7% |
| West Virginia | $1,552 | -$140 | -8.3% |
| Wisconsin | $1,172 | -$520 | -30.7% |
| Wyoming | $1,508 | -$184 | -10.9% |
Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from as many companies as possible. Each auto insurer calculates prices differently, so the prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia K5 | $370 | $656 | $498 | $1,724 |
| 2023 Kia K5 | $356 | $640 | $520 | $1,716 |
| 2022 Kia K5 | $344 | $612 | $536 | $1,692 |
| 2021 Kia K5 | $326 | $592 | $554 | $1,672 |
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 the Cheapest Kia K5 Insurance
Getting lower rates on Kia K5 insurance takes not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to shop around once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a recap of the data that was raised in the charts and tables above.
- Drivers can save approximately $200 per year simply by shopping early and online
- Drivers who want higher liability limits will pay approximately $590 each year to raise limits from a low limit to a 250/500 level
- Teens are charged the highest prices, with premiums as much as $532 a month if they have full coverage
- High-risk drivers that have major violations or accidents pay on average $1,970 more annually for K5 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,386 |
| 20 | $3,904 |
| 30 | $1,756 |
| 40 | $1,692 |
| 50 | $1,546 |
| 60 | $1,516 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,116 |
| $250 | $1,920 |
| $500 | $1,692 |
| $1,000 | $1,476 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,692 |
| 50/100 | $1,799 |
| 100/300 | $1,933 |
| 250/500 | $2,282 |
| 100 CSL | $1,853 |
| 300 CSL | $2,148 |
| 500 CSL | $2,362 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,104 |
| 20 | $6,216 |
| 30 | $3,736 |
| 40 | $3,662 |
| 50 | $3,498 |
| 60 | $3,464 |
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 | $90 |
| Multi-vehicle | $89 |
| Homeowner | $26 |
| 5-yr Accident Free | $122 |
| 5-yr Claim Free | $109 |
| Paid in Full/EFT | $75 |
| Advance Quote | $83 |
| Online Quote | $119 |
| Total Discounts | $713 |
Discounts are estimated and may not be available from every company or in every state.
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