Kia K5 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Kia K5 are $1,724 a year with full coverage. Comprehensive insurance costs approximately $370 a year, collision costs $656, and liability is $498. Liability-only coverage costs around $574 a year, with high-risk coverage costing $3,720 or more. Teens pay the most at $6,412 a year or more.
Average premium for full coverage: $1,724
Premium estimates by type of coverage:
Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and K5 trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Kia K5 go from the low end price of $574 for the bare minimum liability coverage to a high of $3,720 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects auto insurance prices.
These rate differences demonstrate why it is important to compare rates quotes using their specific location, instead of using averaged prices.
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 Information
The chart below details estimated Kia K5 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $996
- Raising to $1,000 deductibles will save $1,490 annually
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,724
- Selecting low $100 deductibles will cost an additional $450 every year
- At-risk drivers with serious driving violations could pay around $3,720 or more
- An auto insurance policy that insures a teen driver can cost $6,412
Insurance prices for a Kia K5 also have a wide range based on the trim level of your K5, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you may be forking out anywhere from $2,000 to $2,800 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 130% more than the average policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $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 $6,400 a year. View Rates by Age
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 $1,240 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,320 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,556 | -$168 | -9.7% |
| Alaska | $1,320 | -$404 | -23.4% |
| Arizona | $1,428 | -$296 | -17.2% |
| Arkansas | $1,724 | -$0 | 0.0% |
| California | $1,962 | $238 | 13.8% |
| Colorado | $1,644 | -$80 | -4.6% |
| Connecticut | $1,770 | $46 | 2.7% |
| Delaware | $1,950 | $226 | 13.1% |
| Florida | $2,152 | $428 | 24.8% |
| Georgia | $1,590 | -$134 | -7.8% |
| Hawaii | $1,236 | -$488 | -28.3% |
| Idaho | $1,168 | -$556 | -32.3% |
| Illinois | $1,284 | -$440 | -25.5% |
| Indiana | $1,298 | -$426 | -24.7% |
| Iowa | $1,164 | -$560 | -32.5% |
| Kansas | $1,634 | -$90 | -5.2% |
| Kentucky | $2,348 | $624 | 36.2% |
| Louisiana | $2,548 | $824 | 47.8% |
| Maine | $1,064 | -$660 | -38.3% |
| Maryland | $1,420 | -$304 | -17.6% |
| Massachusetts | $1,376 | -$348 | -20.2% |
| Michigan | $2,990 | $1,266 | 73.4% |
| Minnesota | $1,442 | -$282 | -16.4% |
| Mississippi | $2,062 | $338 | 19.6% |
| Missouri | $1,528 | -$196 | -11.4% |
| Montana | $1,850 | $126 | 7.3% |
| Nebraska | $1,354 | -$370 | -21.5% |
| Nevada | $2,064 | $340 | 19.7% |
| New Hampshire | $1,240 | -$484 | -28.1% |
| New Jersey | $1,922 | $198 | 11.5% |
| New Mexico | $1,526 | -$198 | -11.5% |
| New York | $1,810 | $86 | 5.0% |
| North Carolina | $990 | -$734 | -42.6% |
| North Dakota | $1,410 | -$314 | -18.2% |
| Ohio | $1,188 | -$536 | -31.1% |
| Oklahoma | $1,766 | $42 | 2.4% |
| Oregon | $1,576 | -$148 | -8.6% |
| Pennsylvania | $1,644 | -$80 | -4.6% |
| Rhode Island | $2,296 | $572 | 33.2% |
| South Carolina | $1,560 | -$164 | -9.5% |
| South Dakota | $1,454 | -$270 | -15.7% |
| Tennessee | $1,508 | -$216 | -12.5% |
| Texas | $2,074 | $350 | 20.3% |
| Utah | $1,276 | -$448 | -26.0% |
| Vermont | $1,176 | -$548 | -31.8% |
| Virginia | $1,032 | -$692 | -40.1% |
| Washington | $1,330 | -$394 | -22.9% |
| West Virginia | $1,578 | -$146 | -8.5% |
| Wisconsin | $1,192 | -$532 | -30.9% |
| Wyoming | $1,534 | -$190 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $690 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $448 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes and see which company has the best price. Every auto insurance company calculates prices differently, so the prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia K5 | $404 | $688 | $466 | $1,758 |
| 2023 Kia K5 | $384 | $660 | $488 | $1,732 |
| 2022 Kia K5 | $370 | $656 | $498 | $1,724 |
| 2021 Kia K5 | $356 | $640 | $520 | $1,716 |
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 Find the Cheapest Kia K5 Insurance
Finding better rates on car insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and maximizing policy discounts. Compare rates at every other renewal by requesting rates from direct companies, and also from local insurance agencies.
The list below is a recap of the concepts that were presented in the illustrations above.
- Higher risk drivers that have major violations or accidents may have to pay on average $2,000 more per year for car insurance
- Teenagers are expensive to insure, possibly costing $534 per month if full coverage is included
- You may be able to save around $210 per year simply by quoting early and online
- Increasing policy deductibles can save approximately $675 each year
- You may be able to save around $210 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,412 |
| 20 | $3,968 |
| 30 | $1,794 |
| 40 | $1,724 |
| 50 | $1,570 |
| 60 | $1,540 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,174 |
| $250 | $1,964 |
| $500 | $1,724 |
| $1,000 | $1,490 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,724 |
| 50/100 | $1,824 |
| 100/300 | $1,948 |
| 250/500 | $2,272 |
| 100 CSL | $1,873 |
| 300 CSL | $2,147 |
| 500 CSL | $2,347 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,144 |
| 20 | $6,308 |
| 30 | $3,802 |
| 40 | $3,720 |
| 50 | $3,548 |
| 60 | $3,514 |
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 | $91 |
| Multi-vehicle | $89 |
| Homeowner | $25 |
| 5-yr Accident Free | $126 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $79 |
| Advance Quote | $85 |
| Online Quote | $122 |
| Total Discounts | $728 |
Discounts are estimated and may not be available from every company or in every state.
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