Kia K5 Insurance Rates

U.S. average insurance rates for a Kia K5 are $1,692 a year for full coverage insurance. Comprehensive costs around $344, collision insurance costs $612, and liability costs $536. Buying just liability costs as little as $606 a year, and insurance for high-risk drivers costs around $3,662. Teen drivers pay the highest rates at up to $6,386 a year.

Average premium for full coverage: $1,692

Price estimates for individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all K5 models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than larger metro areas. The example below illustrates how where you live affects auto insurance rates.

The ranges above illustrate why everyone should compare rates for a specific zip code, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below illustrates average Kia K5 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $979
• Drivers who choose higher $1,000 deductibles will pay about $216 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,692
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $2,116
• Drivers with multiple violations and an at-fault accident could pay at least $3,662
• The price that insures a 16-year-old driver for full coverage can be $6,386 a year

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Insurance prices for a Kia K5 are also quite variable based on the model of your K5, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $2,000 to $2,800 additional each year, depending on your age. Kia K5 insurance for high-risk drivers can cost from 44% to 132% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $6,300 a year. View Rates by Age

The state you live in makes a big difference in Kia K5 insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,280 on average in Michigan, New York, and Florida.

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Choosing high deductibles could save up to $640 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $483 more each year. View Rates by Deductible or Liability Limit

How to Find More Affordable Kia K5 Insurance

Getting lower rates on insurance for a Kia K5 not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and deciding if full coverage is necessary. Shop around at every policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a summary of the data touched on in the above illustrations.

• Insureds who may need higher liability limits will pay about $590 annually to go from a low limit to the 250/500 level
• It is possible to save up to $200 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $650 each year
• Teenagers are charged the highest prices, as much as $532 a month if comprehensive and collision insurance is included