Kia K5 Insurance Rates

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

Average premium for full coverage: $1,692

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and K5 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how where you live affects car insurance rates.

The examples above show why all drivers should compare rates based on a specific location and risk profile, rather than relying on price averages.

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

Additional Rate Information

The chart below shows average Kia K5 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $979
• Drivers who choose higher $1,000 deductibles will pay around $216 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,692
• Choosing low deductibles for comprehensive and collision insurance will cost an extra $424 a year
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,662
• Policy cost for full coverage for a teen driver may cost $6,386 a year

View Chart as Image

Insurance rates for a Kia K5 also range considerably based on your risk profile, the trim level of your K5, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $6,300 a year. View Rates by Age

Your home state makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like Idaho, Maine, and Iowa, or as much as $2,410 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $640 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $2,000 to $2,800 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 132% more than average. View High Risk Driver Rates

How to Find the Best Kia K5 Insurance

Finding cheaper rates on Kia K5 insurance not only requires avoiding accidents and violations, but also maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to comparison shop every other policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The list below is a brief recap of the ideas that were touched on in the above illustrations.

• Teenagers pay the highest rates, costing up to $532 each month for full coverage
• High-risk drivers who tend to receive serious violations will pay on average $1,970 more each year for car insurance
• Increasing comprehensive and collision deductibles can save around $650 each year
• Drivers can save as much as $200 per year just by quoting online in advance