Kia K5 Insurance Rates

The average insurance rates for a Kia K5 are $1,692 a year including full coverage. Comprehensive costs an estimated $344 a year, collision insurance costs $612, and liability insurance costs $536. Liability-only coverage costs as little as $606 a year, and high-risk coverage costs around $3,662. 16-year-old drivers cost the most to insure at up to $6,386 a year.

Average premium for full coverage: $1,692

Policy rates broken down by type of insurance:

These estimates include $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and K5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates how geographic area affects insurance prices.

The examples above highlight why it is important to compare rates for a targeted area, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below breaks down average Kia K5 insurance rates for other coverage scenarios.

• The best full coverage rate is $979
• Drivers who choose higher $1,000 deductibles will pay approximately $1,476 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,692
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,116
• High risk drivers with multiple tickets or accidents could pay up to $3,662
• Policy cost that insures a teen driver can cost as much as $6,386 a year

View Chart as Image

Insurance rates for a Kia K5 also range considerably based on the trim level of your K5, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $2,000 to $2,800 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $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 $1,300 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,410 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $640 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Kia K5 Insurance

Finding cheaper rates on Kia K5 insurance not only requires having a good driving record, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Comparison shop every couple of years by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The next list is a brief summary of the material that was presented in the illustrations above.

• Drivers who want increased levels of liability coverage will pay around $590 per year to go from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, with premiums being up to $532 each month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,970 more annually to buy Kia K5 insurance
• Increasing comprehensive and collision deductibles can save approximately $650 each year