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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Average auto insurance rates for a Kia K5 are $1,692 annually for full coverage insurance. Comprehensive insurance costs around $344, collision costs $612, and liability is $536. Buying just liability costs around $606 a year, with insurance for high-risk drivers costing $3,662 or more. Teenage drivers receive the highest rates at $6,386 a year or more.
Average premium for full coverage: $1,692
Rate estimates for individual coverage type:
Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different K5 trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $606 for basic liability insurance to a much higher rate of $3,662 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than densely populated cities.
The price range example below illustrates how location helps determine auto insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based 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.
Rate Comparisons
The chart below illustrates estimated Kia K5 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $979
- Raising to $1,000 deductibles will save about $216 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,692
- Using more expensive low deductibles costs an additional $424 annually
- Drivers who are prone to accidents and violations could pay at least $3,662 or more
- The cost with full coverage for a 16-year-old driver with full coverage can be $6,386
Auto insurance rates for a Kia K5 can also vary considerably based on the trim level of your K5, your risk profile, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $6,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $2,000 to $2,800 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $640 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Kia K5 insurance prices. A middle-age driver might find rates as low as $1,100 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,280 on average in Michigan, New York, and Florida.
| 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% |
With so much variability in rates, the only way to figure out your exact price is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.
| 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 Buy Affordable Kia K5 Insurance
Saving money on insurance for a Kia K5 consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates once a year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The items below are a brief review of the data that was covered in the charts and tables above.
- It is possible to save up to $200 per year simply by shopping early and online
- Insureds who may need more liability coverage will pay an extra $590 annually to raise from a minimum limit to higher 250/500 limits
- Teen drivers are expensive to insure, costing up to $532 per month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,970 more every year to insure their K5
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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