Kia K5 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a Kia K5 are $1,692 annually with full coverage. Comprehensive insurance costs an estimated $344, collision insurance costs $612, and liability is $536. Liability-only coverage costs around $606 a year, and high-risk coverage costs $3,662 or more. Teen drivers pay the most at up to $6,386 a year.
Average premium for full coverage: $1,692
Premium estimates broken down by type of coverage:
Rates are based on $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for all K5 models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Kia K5 range from as cheap as $606 for minimum levels of liability insurance to the much higher price of $3,662 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are statistically proven to have fewer collision claims than larger metro areas. The example below illustrates how rural and urban location affects insurance prices.
These rate differences demonstrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below details average Kia K5 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $979
- Raising to $1,000 deductibles will save approximately $216 annually
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,692
- Choosing pricier low deductibles costs an additional $424 annually
- Drivers with multiple violations and an at-fault accident could pay up to $3,662
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost as much as $6,386
Insurance prices for a Kia K5 also have a wide range based on the model of your K5, your driving record, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $6,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out $2,000 to $2,800 extra annually, depending on your age. Kia K5 insurance for high-risk drivers is expensive and can cost from 44% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $640 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $483 more per year. View Rates by Deductible or Liability Limit
Where you choose to live 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 Utah, Ohio, and New Hampshire, or as much as $2,280 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,530 | -$162 | -9.6% |
| Alaska | $1,298 | -$394 | -23.3% |
| Arizona | $1,404 | -$288 | -17.0% |
| Arkansas | $1,692 | -$0 | 0.0% |
| California | $1,928 | $236 | 13.9% |
| Colorado | $1,616 | -$76 | -4.5% |
| Connecticut | $1,740 | $48 | 2.8% |
| Delaware | $1,918 | $226 | 13.4% |
| Florida | $2,114 | $422 | 24.9% |
| Georgia | $1,562 | -$130 | -7.7% |
| Hawaii | $1,216 | -$476 | -28.1% |
| Idaho | $1,150 | -$542 | -32.0% |
| Illinois | $1,260 | -$432 | -25.5% |
| Indiana | $1,276 | -$416 | -24.6% |
| Iowa | $1,144 | -$548 | -32.4% |
| Kansas | $1,606 | -$86 | -5.1% |
| Kentucky | $2,308 | $616 | 36.4% |
| Louisiana | $2,506 | $814 | 48.1% |
| Maine | $1,046 | -$646 | -38.2% |
| Maryland | $1,396 | -$296 | -17.5% |
| Massachusetts | $1,352 | -$340 | -20.1% |
| Michigan | $2,938 | $1,246 | 73.6% |
| Minnesota | $1,418 | -$274 | -16.2% |
| Mississippi | $2,026 | $334 | 19.7% |
| Missouri | $1,502 | -$190 | -11.2% |
| Montana | $1,818 | $126 | 7.4% |
| Nebraska | $1,332 | -$360 | -21.3% |
| Nevada | $2,028 | $336 | 19.9% |
| New Hampshire | $1,218 | -$474 | -28.0% |
| New Jersey | $1,890 | $198 | 11.7% |
| New Mexico | $1,498 | -$194 | -11.5% |
| New York | $1,780 | $88 | 5.2% |
| North Carolina | $972 | -$720 | -42.6% |
| North Dakota | $1,388 | -$304 | -18.0% |
| Ohio | $1,168 | -$524 | -31.0% |
| Oklahoma | $1,736 | $44 | 2.6% |
| Oregon | $1,552 | -$140 | -8.3% |
| Pennsylvania | $1,614 | -$78 | -4.6% |
| Rhode Island | $2,260 | $568 | 33.6% |
| South Carolina | $1,534 | -$158 | -9.3% |
| South Dakota | $1,428 | -$264 | -15.6% |
| Tennessee | $1,482 | -$210 | -12.4% |
| Texas | $2,038 | $346 | 20.4% |
| Utah | $1,254 | -$438 | -25.9% |
| Vermont | $1,156 | -$536 | -31.7% |
| Virginia | $1,014 | -$678 | -40.1% |
| Washington | $1,308 | -$384 | -22.7% |
| West Virginia | $1,552 | -$140 | -8.3% |
| Wisconsin | $1,172 | -$520 | -30.7% |
| Wyoming | $1,508 | -$184 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia K5 | $370 | $656 | $498 | $1,724 |
| 2023 Kia K5 | $356 | $640 | $520 | $1,716 |
| 2022 Kia K5 | $344 | $612 | $536 | $1,692 |
| 2021 Kia K5 | $326 | $592 | $554 | $1,672 |
Rates are averaged for all Kia K5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap Kia K5 Insurance
Finding better rates on insurance for a Kia K5 consists of not taking risks behind the wheel, having a good credit history, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around at every other renewal by obtaining price quotes from direct companies, and also from several local insurance agents.
The following is a quick review of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,970 more annually for K5 insurance
- Teens are charged the highest prices, possibly costing $532 per month including comprehensive and collision insurance
- You may be able to save approximately $200 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $650 each year
- You may be able to save approximately $200 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,386 |
| 20 | $3,904 |
| 30 | $1,756 |
| 40 | $1,692 |
| 50 | $1,546 |
| 60 | $1,516 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,116 |
| $250 | $1,920 |
| $500 | $1,692 |
| $1,000 | $1,476 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,692 |
| 50/100 | $1,799 |
| 100/300 | $1,933 |
| 250/500 | $2,282 |
| 100 CSL | $1,853 |
| 300 CSL | $2,148 |
| 500 CSL | $2,362 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,104 |
| 20 | $6,216 |
| 30 | $3,736 |
| 40 | $3,662 |
| 50 | $3,498 |
| 60 | $3,464 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $90 |
| Multi-vehicle | $89 |
| Homeowner | $26 |
| 5-yr Accident Free | $122 |
| 5-yr Claim Free | $109 |
| Paid in Full/EFT | $75 |
| Advance Quote | $83 |
| Online Quote | $119 |
| Total Discounts | $713 |
Discounts are estimated and may not be available from every company or in every state.
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