Kia K5 Insurance Rates

U.S. average insurance prices for a Kia K5 are $1,692 every 12 months with full coverage. Comprehensive costs around $344 a year, collision insurance costs $612, and liability is $536. A policy with just liability insurance costs around $606 a year, and coverage 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:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and K5 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population have more infrequent collision claims than larger metro areas. The diagram below illustrates how your location can change auto insurance rates.

The ranges above demonstrate why it is important to compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $979
• Raising to $1,000 deductibles will save about $1,476 annually
• The average price for the average middle-age driver using $500 deductibles is $1,692
• Choosing low $100 deductibles increases the price to $2,116
• Drivers with multiple violations and an at-fault accident could pay at least $3,662
• The price to insure a 16-year-old driver can be $6,386

View Chart as Image

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

Choosing high deductibles can reduce prices by up to $640 annually, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $483 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $6,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $2,000 to $2,800 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 132% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Kia K5 insurance prices. A middle-age driver might find prices as low as $1,220 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,280 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for Cheaper Kia K5 Insurance

Getting lower rates on insurance for a Kia K5 consists of having a decent driving record, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around at least once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a condensed summary of the primary concepts that were illustrated above.

• You may be able to save up to $200 per year just by quoting early and online
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,970 more every year than a driver with a clean driving record
• Increasing physical damage deductibles could save as much as $650 each year
• 16 to 18-year-old drivers pay higher prices, costing up to $532 a month if they have full coverage