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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Average insurance prices for a Kia K5 are $1,692 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $344 a year, collision costs $612, and liability insurance costs $536. Buying just liability costs as little as $606 a year, with insurance for high-risk drivers costing $3,662 or more. 16-year-old drivers receive the highest rates at $6,386 a year or more.
Average premium for full coverage: $1,692
Rate estimates broken down by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and K5 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $606 for liability-only coverage to a high of $3,662 for high-risk insurance.
Price Range by Location
Your location has a significant impact on the price of insurance. More rural locations tend to have more infrequent physical damage claims than congested cities.
The diagram below illustrates how rural and urban location affects insurance prices.
These examples illustrate why it is important to compare rates for a targeted area and their own driving history, rather than relying on rate 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 Charts and Tables
The chart below illustrates estimated Kia K5 insurance rates for other coverage scenarios.
- The best full coverage rate is $979
- Drivers who choose higher $1,000 deductibles will pay approximately $1,476 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,692
- Buying low $100 deductibles for comprehensive and collision insurance costs an extra $424 a year
- High risk drivers with multiple tickets or accidents could pay up to $3,662 or more
- The cost to insure a teen driver can cost as much as $6,386 a year
Auto insurance rates for a Kia K5 can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles could save up to $640 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,600 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $6,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $2,000 to $2,800 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,280 on average in Florida, New York, and Michigan.
| 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% |
With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and quoted rates can be significantly different.
| 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 Shop for Low Cost Kia K5 Insurance
Saving money on Kia K5 insurance not only requires avoiding accidents and violations, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The list below is a review of the material that was raised in the charts and tables above.
- Drivers who want higher liability limits will pay around $590 annually to go from a minimum limit to a 250/500 level
- Teenagers are the costliest to insure, costing up to $532 per month if comprehensive and collision insurance is included
- High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,970 more annually for car insurance
- Increasing deductibles could save as much as $650 each year
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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