Kia K5 Insurance Rates

The average insurance rates for a Kia K5 are $1,692 a year for full coverage insurance. Comprehensive costs an estimated $344 a year, collision insurance costs $612, and liability costs around $536. Liability-only coverage costs as low as $606 a year, and high-risk coverage costs around $3,662. Teenage drivers cost the most to insure at up to $6,386 a year.

Average premium for full coverage: $1,692

Policy rates broken down by type of insurance:

Prices include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and K5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how location helps determine insurance prices.

The examples above illustrate why it is important to compare prices for a targeted area, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below illustrates average Kia K5 insurance rates for other coverage scenarios.

• The best discount rate is $979
• Using higher $1,000 deductibles will save approximately $1,476 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,692
• Using low $100 deductibles for physical damage coverage bumps up the cost to $2,116
• High-risk insureds who are prone to accidents and violations could pay up to $3,662
• Policy cost that insures a 16-year-old driver can cost as much as $6,386 or more

View Chart as Image

Insurance rates for a Kia K5 also range considerably based on the trim level of your K5, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $2,000 to $2,800 additional every year, depending on your age. A high-risk auto insurance policy can be from 44% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $6,300 a year. View Rates by Age

Your home state has a huge impact on Kia K5 insurance prices. A driver around age 40 might see rates as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,280 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $640 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

How to Find the Right Kia K5 Insurance

Finding cheaper rates on insurance for a Kia K5 requires avoiding accidents and claims, having a good credit score, being claim-free, and possibly raising deductibles. Compare prices at every policy renewal by requesting rates from direct insurance companies, and also from local insurance agencies.

The points below are a quick rundown of the data covered in the charts and tables above.

• Insureds who want increased liability limits will pay an extra $590 annually to increase from a 30/60 limit to the 250/500 level
• It is possible to save approximately $200 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $650 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $532 each month if comprehensive and collision insurance is included