Kia K5 Insurance Rates

The average insurance prices for a Kia K5 are $1,692 every 12 months for full coverage. Comprehensive insurance costs on average $344 each year, collision insurance costs $612, and liability is estimated at $536. Liability-only coverage costs approximately $606 a year, and high-risk coverage costs $3,662 or more. 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 by type of insurance:

Includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and K5 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have more infrequent accident claims than congested cities. The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above show why all drivers should get quotes based on a specific location and their own driving history, instead of using rate averages.

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

More Rate Information

The chart below shows average Kia K5 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $979
• Choosing higher $1,000 deductibles can save around $216 a year
• The average price for a good driver age 40 with $500 deductibles is $1,692
• Buying low deductibles for comp and collision coverage costs an extra $424 every year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $3,662
• Policy cost to insure a teen driver may cost $6,386 each year

View Chart as Image

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

Opting for high physical damage deductibles can save as much as $640 every year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,600 annually on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $6,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $2,000 to $2,800 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 132% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Kia K5 insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Idaho, Maine, and Iowa, or at least $2,410 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Cheapest Kia K5 Insurance

Finding cheaper rates on car insurance takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around every other policy renewal by quoting rates from direct carriers, and also from local independent and exclusive agents.

The next list is a recap of the ideas that were raised in the charts and tables above.

• Drivers age 20 and younger pay higher rates, costing up to $532 each month if full coverage is included
• Higher risk drivers that have major violations or accidents pay an average of $1,970 more each year to buy Kia K5 insurance
• Increasing comprehensive and collision deductibles could save as much as $650 each year
• Drivers can save as much as $200 per year just by quoting online in advance