Kia K5 Insurance Rates

Average insurance rates for a Kia K5 are $1,692 a year including full coverage. Comprehensive insurance costs on average $344 a year, collision insurance costs $612, and liability insurance costs $536. A policy with just liability insurance costs as little as $606 a year, and coverage for high-risk drivers costs $3,662 or more. Teens receive the highest rates at up to $6,386 a year.

Average premium for full coverage: $1,692

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and K5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects car insurance rates.

These examples highlight why it is important to compare rates based on a specific location and risk profile, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down average Kia K5 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $979
• Drivers who choose higher $1,000 deductibles will pay around $1,476 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,692
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $424 a year
• High risk drivers with serious driving violations could pay upwards of $3,662
• The cost for full coverage for a teen driver may cost $6,386 a year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles could pay as little as $1,600 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $6,300 a year. View Rates by Age

Where you live makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,300 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,410 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $640 each year, while buying higher liability limits will cost you more. Changing 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 are likely paying at a minimum $2,000 to $2,800 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates

How to Find Cheaper Kia K5 Insurance

Saving money on Kia K5 insurance not only requires avoiding accidents and claims, but also having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around every couple of years by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The points below are a condensed summary of the material that was raised in the charts and tables above.

• Drivers who require increased liability limits will pay approximately $590 per year to go from a minimum limit to 250/500 limits
• Drivers under the age of 20 pay higher rates, as much as $532 per month including comprehensive and collision insurance
• High-risk drivers with multiple at-fault accidents may pay on average $1,970 more each year to insure a Kia K5
• Increasing deductibles can save around $650 each year