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 $1,716 every 12 months including full coverage. Comprehensive costs around $356 a year, collision costs $640, and liability insurance is estimated at $520. Buying just liability costs approximately $592 a year, with insurance for high-risk drivers costing around $3,710. Teenage drivers pay the highest rates at $6,430 a year or more.
Average premium for full coverage: $1,716
Price estimates for individual coverage:
Includes $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and K5 trim levels.
Price Range from Low to High
For the average driver, Kia K5 insurance prices go from the cheapest price of $592 for a discount liability-only rate to a high of $3,710 for high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than densely populated cities.
The diagram below illustrates how location impacts auto insurance rates.
The ranges above highlight why it is important to get quotes for a specific zip code and their own driving history, rather than relying on average rates.
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.
Rates by State, City, and Model
The chart below breaks down estimated Kia K5 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $991
- Choosing higher $1,000 deductibles can save about $1,490 every year
- The average price for the average middle-age driver using $500 deductibles is $1,716
- Using low $100 deductibles for comp and collision coverage increases the price to $2,154
- High-risk insureds who are prone to accidents and violations could pay at least $3,710 or more
- The price to insure a teen driver can be $6,430 each year
Insurance prices for a Kia K5 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles can save as much as $670 each year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $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 for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $6,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $2,000 to $2,800 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 130% more than a normal 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 $1,310 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,450 on average in Michigan, New York, and Louisiana.
| 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% |
Since prices can be so different, the best way to figure out your exact price is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices may be quite 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 the Cheapest Kia K5 Insurance
Getting lower rates on Kia K5 insurance takes being a good driver, having above-average credit, being claim-free, and taking advantage of discounts. Spend time shopping around every couple of years by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a recap of the material that was touched on above.
- Drivers who may need an increased level of liability coverage will pay an extra $570 per year to raise limits from a low limit to a 250/500 level
- Drivers age 16 to 20 are charged the highest prices, possibly costing $536 a month if full coverage is included
- High-risk drivers that have major violations or accidents could be forced to pay on average $1,990 more every year than a safer driver
- Increasing physical damage deductibles could save as much as $675 each year
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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