Kia K5 Insurance Rates

U.S. average insurance prices for a Kia K5 are $1,692 every 12 months for full coverage insurance. Comprehensive costs approximately $344 each year, collision insurance costs $612, and liability insurance costs $536. Liability-only insurance costs as little as $606 a year, and high-risk driver insurance 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 by individual coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and K5 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. Rural locations have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how location impacts auto insurance prices.

The ranges above illustrate why all drivers should compare rates using their specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Analysis

The chart below illustrates average Kia K5 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $979
• Drivers who choose higher $1,000 deductibles will pay $216 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,692
• Using low deductibles for comprehensive and collision insurance increases the price to $2,116
• High risk drivers who are prone to accidents and violations could pay around $3,662
• The price to insure a teen driver can cost $6,386 a year

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Car insurance prices for a Kia K5 are also quite variable based on deductibles and policy limits, your risk profile, and the model of your K5.

Using high physical damage deductibles could save up to $640 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged in the ballpark of $6,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $2,000 to $2,800 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

The state you live in 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 be forced to pay as much as $2,280 on average in Florida, New York, and Michigan.

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How to Shop for Low Cost Kia K5 Insurance

Getting lower rates on Kia K5 insurance not only requires being a low-risk driver, but also maintaining a good credit score, not filing small claims, and attention to physical damage deductibles. Spend time shopping around at least every other year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a review of the car insurance concepts touched on above.

• High-risk drivers who have several accidents or serious violations may have to pay on average $1,970 more per year to insure their K5
• It is possible to save around $200 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $650 each year
• Drivers who purchase more liability coverage will pay an extra $590 annually to go from a low limit to a 250/500 level