Kia K5 Insurance Rates

Estimated insurance rates for a Kia K5 are $1,692 a year for full coverage. Comprehensive costs approximately $344 each year, collision insurance costs $612, and liability coverage is $536. Liability-only coverage costs around $606 a year, and high-risk coverage costs around $3,662. Teenage drivers pay the most at up to $6,386 a year.

Average premium for full coverage: $1,692

Premium estimates by type of coverage:

Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and K5 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance prices.

These rate differences show why all drivers should compare rates quotes using their specific location, rather than using average rates.

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

Rates by State, City, and Model

The chart below shows average Kia K5 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $979
• Raising to $1,000 deductibles will save $216 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,692
• Using low deductibles bumps up the cost to $2,116
• Unlucky drivers who are prone to accidents and violations could pay around $3,662
• An auto insurance policy that insures a teenage driver can cost $6,386

View Chart as Image

Insurance prices for a Kia K5 also have a wide range based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $2,000 to $2,800 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $6,300 a year. View Rates by Age

Where you choose to live also has a big influence on Kia K5 insurance rates. A middle-age driver might find prices as low as $1,120 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,410 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $640 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 more per year. View Rates by Deductible or Liability Limit

How to Find Affordable Kia K5 Insurance

Finding better rates on auto insurance consists of having a good driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Compare prices every time your policy renews by getting quotes from direct carriers, and also from insurance agencies where you live.

The next list is a brief review of the information presented in the illustrations above.

• Drivers can save around $200 per year just by quoting online in advance
• Drivers age 20 and younger are expensive to insure, as much as $532 per month if full coverage is included
• Increasing policy deductibles can save approximately $650 each year
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,970 more per year to buy Kia K5 insurance
• Consumers who purchase increased levels of liability coverage will pay an extra $590 each year to raise from 30/60 bodily injury limits to the 250/500 level