Kia K5 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Kia K5 are $1,716 a year for full coverage insurance. Comprehensive insurance costs on average $356, collision insurance costs $640, and liability is $520. A policy with only liability insurance costs around $592 a year, and a high-risk policy costs $3,710 or more. Teen drivers pay the most at up to $6,430 a year.
Average premium for full coverage: $1,716
Premium estimates by type of coverage:
Estimates include $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all K5 models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Kia K5 range from the low end price of $592 for a discount liability-only rate to the much higher price of $3,710 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than larger metro areas. The example below illustrates the difference location can make on car insurance rates.
These rate differences illustrate why everyone should compare rates quotes based on a specific location, instead of making a decision based on price 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.
Rates by State, City, and Model
The chart below illustrates average Kia K5 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $991
- Raising to $1,000 deductibles will save around $226 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,716
- Choosing pricier low deductibles will cost an additional $438 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,710
- An auto insurance policy that insures a 16-year-old driver for full coverage may cost $6,430
Car insurance prices for a Kia K5 also have a wide range based on the model of your K5, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $2,000 to $2,800 extra annually, depending on your age. Kia K5 insurance for high-risk drivers is expensive and can cost from 44% to 130% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $6,400 a year. View Rates by Age
Where you choose to live also has a big influence on Kia K5 insurance prices. A middle-age driver might find prices as low as $1,120 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,310 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,550 | -$166 | -9.7% |
| Alaska | $1,314 | -$402 | -23.4% |
| Arizona | $1,422 | -$294 | -17.1% |
| Arkansas | $1,716 | -$0 | 0.0% |
| California | $1,952 | $236 | 13.8% |
| Colorado | $1,636 | -$80 | -4.7% |
| Connecticut | $1,762 | $46 | 2.7% |
| Delaware | $1,942 | $226 | 13.2% |
| Florida | $2,144 | $428 | 24.9% |
| Georgia | $1,582 | -$134 | -7.8% |
| Hawaii | $1,232 | -$484 | -28.2% |
| Idaho | $1,164 | -$552 | -32.2% |
| Illinois | $1,278 | -$438 | -25.5% |
| Indiana | $1,294 | -$422 | -24.6% |
| Iowa | $1,160 | -$556 | -32.4% |
| Kansas | $1,628 | -$88 | -5.1% |
| Kentucky | $2,338 | $622 | 36.2% |
| Louisiana | $2,538 | $822 | 47.9% |
| Maine | $1,058 | -$658 | -38.3% |
| Maryland | $1,416 | -$300 | -17.5% |
| Massachusetts | $1,372 | -$344 | -20.0% |
| Michigan | $2,978 | $1,262 | 73.5% |
| Minnesota | $1,436 | -$280 | -16.3% |
| Mississippi | $2,056 | $340 | 19.8% |
| Missouri | $1,522 | -$194 | -11.3% |
| Montana | $1,846 | $130 | 7.6% |
| Nebraska | $1,352 | -$364 | -21.2% |
| Nevada | $2,056 | $340 | 19.8% |
| New Hampshire | $1,234 | -$482 | -28.1% |
| New Jersey | $1,916 | $200 | 11.7% |
| New Mexico | $1,518 | -$198 | -11.5% |
| New York | $1,806 | $90 | 5.2% |
| North Carolina | $988 | -$728 | -42.4% |
| North Dakota | $1,406 | -$310 | -18.1% |
| Ohio | $1,184 | -$532 | -31.0% |
| Oklahoma | $1,760 | $44 | 2.6% |
| Oregon | $1,570 | -$146 | -8.5% |
| Pennsylvania | $1,636 | -$80 | -4.7% |
| Rhode Island | $2,288 | $572 | 33.3% |
| South Carolina | $1,556 | -$160 | -9.3% |
| South Dakota | $1,448 | -$268 | -15.6% |
| Tennessee | $1,502 | -$214 | -12.5% |
| Texas | $2,066 | $350 | 20.4% |
| Utah | $1,270 | -$446 | -26.0% |
| Vermont | $1,174 | -$542 | -31.6% |
| Virginia | $1,028 | -$688 | -40.1% |
| Washington | $1,326 | -$390 | -22.7% |
| West Virginia | $1,572 | -$144 | -8.4% |
| Wisconsin | $1,186 | -$530 | -30.9% |
| Wyoming | $1,530 | -$186 | -10.8% |
Choosing high deductibles can reduce prices by up to $670 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia K5 | $384 | $660 | $488 | $1,732 |
| 2023 Kia K5 | $370 | $656 | $498 | $1,724 |
| 2022 Kia K5 | $356 | $640 | $520 | $1,716 |
| 2021 Kia K5 | $344 | $612 | $536 | $1,692 |
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 Find Low Cost Kia K5 Insurance
Finding better rates on insurance for a Kia K5 consists of being a safe and courteous driver, having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around every couple of years by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.
Below is a review of the material that was touched on in this article.
- Insureds who require higher levels of liability will pay about $570 annually to raise from 30/60 bodily injury limits to the 250/500 level
- Teenage drivers are expensive to insure, with premiums being up to $536 per month if full coverage is purchased
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,990 more each year for auto insurance
- Increasing policy deductibles can save approximately $675 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,430 |
| 20 | $3,958 |
| 30 | $1,786 |
| 40 | $1,716 |
| 50 | $1,564 |
| 60 | $1,534 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,154 |
| $250 | $1,952 |
| $500 | $1,716 |
| $1,000 | $1,490 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,716 |
| 50/100 | $1,820 |
| 100/300 | $1,950 |
| 250/500 | $2,288 |
| 100 CSL | $1,872 |
| 300 CSL | $2,158 |
| 500 CSL | $2,366 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,174 |
| 20 | $6,298 |
| 30 | $3,788 |
| 40 | $3,710 |
| 50 | $3,542 |
| 60 | $3,506 |
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 | $91 |
| Multi-vehicle | $90 |
| Homeowner | $26 |
| 5-yr Accident Free | $125 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $77 |
| Advance Quote | $84 |
| Online Quote | $121 |
| Total Discounts | $725 |
Discounts are estimated and may not be available from every company or in every state.
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