Kia K5 Insurance Rates

The average insurance rates for a Kia K5 are $1,692 a year with full coverage. Comprehensive costs approximately $344, collision insurance costs $612, and liability insurance is estimated at $536. Liability-only coverage costs approximately $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 by type of insurance:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all K5 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why everyone should get quotes using their specific location and risk profile, rather than relying on averaged prices.

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

Rate Comparisons

The chart below details average Kia K5 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $979
• Choosing higher $1,000 deductibles can save $216 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,692
• Selecting pricier low deductibles for comp and collision coverage will increase the cost to $2,116
• High-risk insureds with serious driving violations could pay around $3,662
• Policy cost for full coverage for a teen driver for full coverage can cost $6,386 each year

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $6,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia K5 insurance rates. A good driver about age 40 could pay as low as $1,220 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,280 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $640 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $2,000 to $2,800 additional every year, depending on your age. Kia K5 insurance for high-risk drivers ranges anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates

How to Find the Right Kia K5 Insurance

Finding cheaper rates on Kia K5 insurance takes being a good driver, having a good credit history, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates at least once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick rundown of the primary concepts that were covered above.

• You may be able to save around $200 per year just by quoting online well ahead of the renewal date
• High-risk drivers with reckless driving or DUI convictions pay on average $1,970 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save around $650 each year
• Drivers age 16 to 20 are the costliest to insure, as much as $532 each month including comprehensive and collision insurance