Kia K5 Insurance Rates

U.S. average insurance rates for a Kia K5 are $1,692 a year for full coverage insurance. Comprehensive insurance costs an estimated $344 each year, collision insurance costs $612, and liability costs around $536. Liability-only coverage costs as low as $606 a year, and high-risk coverage costs $3,662 or more. 16-year-old 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:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and K5 models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities. The graphic below illustrates how your location can change insurance prices.

The ranges above illustrate why all drivers should compare prices for a targeted area, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $979
• Using higher $1,000 deductibles will save approximately $216 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,692
• Buying low deductibles for physical damage coverage will cost an additional $424 every year
• Drivers with multiple tickets or accidents could pay up to $3,662
• The price that insures a teen driver can cost as much as $6,386 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying $2,000 to $2,800 in extra premium each year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 132% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,600 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $6,300 a year. View Rates by Age

The state you live in has a huge impact on Kia K5 insurance prices. A driver around age 40 might see prices as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,280 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $640 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $483 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheap Kia K5 Insurance

Getting lower rates on car insurance requires being safe and accident-free, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Comparison shop every year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a brief summary of the coverage data illustrated above.

• It is possible to save approximately $200 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $650 each year
• Youthful drivers are the costliest to insure, as much as $532 a month if the policy includes full coverage
• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,970 more annually than a low-risk driver