Kia K5 Insurance Rates

Average insurance prices for a Kia K5 are $1,692 every 12 months for full coverage. Comprehensive insurance costs around $344, collision insurance costs $612, and liability insurance costs around $536. Buying just liability costs as low as $606 a year, and insurance for high-risk drivers costs $3,662 or more. Teenage drivers receive the highest rates at up to $6,386 a year.

Average premium for full coverage: $1,692

Rate estimates for individual coverage type:

Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all K5 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples show why everyone should compare prices 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.

Additional Rate Details

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

• The best discount rate is $979
• Using higher $1,000 deductibles will save about $216 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,692
• Using pricier low deductibles for physical damage coverage costs an extra $424 a year
• Drivers who are prone to accidents and violations could pay at least $3,662
• The cost to insure a teen driver for full coverage can be $6,386 or more

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Auto insurance rates for a Kia K5 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Using high physical damage deductibles could cut rates by as much as $640 each year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles could pay as little as $1,600 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $6,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $2,000 to $2,800 in extra premium per year, depending on your age. Kia K5 insurance for high-risk drivers can be anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Kia K5 insurance rates. A driver around age 40 might see rates as low as $1,120 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,410 on average in Michigan, Louisiana, and New York.

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How to Shop for Cheaper Kia K5 Insurance

Saving money on Kia K5 insurance requires being a low-risk driver, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates every couple of years by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a condensed summary of the material that was covered above.

• Drivers who may need more liability coverage will pay an extra $590 each year to increase from a minimum limit to a 250/500 level
• Teen drivers are expensive to insure, costing as high as $532 per month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents may pay on average $1,970 more every year to insure their K5
• Increasing deductibles could save as much as $650 each year