Kia K5 Insurance Rates

Average insurance rates for a Kia K5 are $1,692 a year with full coverage. Comprehensive costs around $344, collision insurance costs $612, and liability 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 receive the highest rates at up to $6,386 a year.

Average premium for full coverage: $1,692

Rate estimates for individual coverage type:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all K5 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance rates.

These examples demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below details 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 annually
• The average rate for a 40-year-old driver using $500 deductibles is $1,692
• Using pricier low deductibles will increase the cost to $2,116
• Drivers who are prone to accidents and violations could pay at least $3,662
• The cost for full coverage for a 16-year-old driver for full coverage can be $6,386

View Chart as Image

Insurance rates for a Kia K5 can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $6,300 a year. View Rates by Age

Where you live also has a big influence on Kia K5 insurance prices. A middle-age driver might find rates as low as $1,220 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,280 on average in Florida, Michigan, and New York.

View Chart as Image

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

If you like to drive fast or tend to cause accidents, you may be forking out at least $2,000 to $2,800 additional per year, depending on your age. Kia K5 insurance for high-risk drivers is expensive and can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Right Kia K5 Insurance

Saving money on insurance for a Kia K5 consists of avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around at least once a year by obtaining price quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The list below is a quick rundown of the primary concepts that were raised in the charts and tables above.

• You may be able to save up to $200 per year just by quoting online well ahead of the renewal date
• Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,970 more every year for car insurance
• Increasing deductibles can save around $650 each year
• Teenagers are charged the highest rates, with premiums as much as $532 per month including comprehensive and collision insurance