Kia K5 Insurance Rates

U.S. average auto insurance rates for a Kia K5 are $1,692 annually with full coverage. Comprehensive costs an estimated $344 each year, collision insurance costs $612, and liability coverage costs $536. Liability-only insurance costs as little as $606 a year, and high-risk driver insurance costs around $3,662. Teen drivers pay the highest rates at up to $6,386 a year.

Average premium for full coverage: $1,692

Price estimates broken down by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. More rural locations have fewer collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on insurance prices.

The ranges above demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $979
• Drivers who choose higher $1,000 deductibles will pay approximately $216 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,692
• Choosing low deductibles for comprehensive and collision insurance will cost $2,116
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,662
• The price with full coverage for a teenage driver can cost as much as $6,386 a year

View Chart as Image

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

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,600 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $6,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $2,000 to $2,800 extra each year, depending on your age. Insurance for high-risk drivers can cost around 44% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $640 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury 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

The state you live in makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,220 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,280 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy More Affordable Kia K5 Insurance

Getting lower rates on auto insurance not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to compare rates at least every other year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a summary of the car insurance concepts covered in the above illustrations.

• Drivers who have multiple accidents or major violations pay on average $1,970 more annually than a driver with a clean driving record
• You may be able to save approximately $200 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $650 each year
• Consumers who want additional liability coverage will pay about $590 every year to go from a low limit to higher 250/500 limits