Kia K5 Insurance Rates

U.S. average insurance rates for a Kia K5 are $1,692 a year for full coverage insurance. Comprehensive costs around $344, collision insurance costs $612, and liability insurance is $536. A policy with just liability insurance costs around $606 a year, and coverage for high-risk drivers costs around $3,662. Teenage drivers pay the highest rates at up to $6,386 a year.

Average premium for full coverage: $1,692

Price estimates for individual coverage:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all K5 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how location helps determine auto insurance rates.

The ranges above illustrate why everyone should compare rates quotes for a specific zip code and risk profile, rather than relying on average rates.

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

More Rate Information

The chart below illustrates average Kia K5 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $979
• Raising to $1,000 deductibles will save about $216 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,692
• Using pricier low deductibles will increase the cost to $2,116
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,662
• The price for full coverage for a teen driver for full coverage can be $6,386

View Chart as Image

Insurance prices for a Kia K5 are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,600 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $6,300 a year. View Rates by Age

The state you live in also has a big influence on Kia K5 insurance rates. A middle-age driver might find prices as low as $1,100 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,280 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $640 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $2,000 to $2,800 extra each year, depending on your age. Kia K5 insurance for high-risk drivers is expensive and can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Kia K5 Insurance

Getting lower rates on Kia K5 insurance consists of having a decent driving record, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates at least once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a brief review of the primary concepts that were covered in the charts and tables above.

• It is possible to save up to $200 per year just by quoting online well ahead of the renewal date
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,970 more every year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $650 each year
• 16 to 18-year-old drivers pay higher prices, as much as $532 a month for full coverage