Kia K5 Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Kia K5 are $1,724 a year including full coverage. Comprehensive costs an estimated $370, collision costs $656, and liability costs $498. Liability-only insurance costs as little as $574 a year, with high-risk driver insurance costing around $3,720. 16-year-old drivers pay the highest rates at $6,412 a year or more.
Average premium for full coverage: $1,724
Price estimates broken down by individual coverage:
Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all K5 models.
Price Range from Low to High
Using a middle-aged driver as an example, Kia K5 insurance prices go from the low end price of $574 for just the minimum liability insurance to the much higher price of $3,720 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can have significant affects on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than congested cities.
The example below illustrates how where you live affects insurance prices.
The ranges above highlight why everyone should compare rates for a targeted area, instead of using rate 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.
Additional Rate Analysis
The chart below breaks down estimated Kia K5 insurance rates for other coverage scenarios.
- The best full coverage rate is $996
- Drivers who choose higher $1,000 deductibles will pay approximately $234 every year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,724
- Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $2,174
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,720 or more
- The price that insures a teen driver for full coverage can cost as much as $6,412 a year
Car insurance prices for a Kia K5 are also quite variable based on the model of your K5, your driving record and age, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are likely paying $2,000 to $2,800 extra each year, depending on your age. Kia K5 insurance for high-risk drivers can cost as much as 44% to 130% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $6,400 a year. View Rates by Age
The state you live in makes a big difference in Kia K5 insurance prices. A 40-year-old driver could pay as low as $1,320 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,450 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,556 | -$168 | -9.7% |
| Alaska | $1,320 | -$404 | -23.4% |
| Arizona | $1,428 | -$296 | -17.2% |
| Arkansas | $1,724 | -$0 | 0.0% |
| California | $1,962 | $238 | 13.8% |
| Colorado | $1,644 | -$80 | -4.6% |
| Connecticut | $1,770 | $46 | 2.7% |
| Delaware | $1,950 | $226 | 13.1% |
| Florida | $2,152 | $428 | 24.8% |
| Georgia | $1,590 | -$134 | -7.8% |
| Hawaii | $1,236 | -$488 | -28.3% |
| Idaho | $1,168 | -$556 | -32.3% |
| Illinois | $1,284 | -$440 | -25.5% |
| Indiana | $1,298 | -$426 | -24.7% |
| Iowa | $1,164 | -$560 | -32.5% |
| Kansas | $1,634 | -$90 | -5.2% |
| Kentucky | $2,348 | $624 | 36.2% |
| Louisiana | $2,548 | $824 | 47.8% |
| Maine | $1,064 | -$660 | -38.3% |
| Maryland | $1,420 | -$304 | -17.6% |
| Massachusetts | $1,376 | -$348 | -20.2% |
| Michigan | $2,990 | $1,266 | 73.4% |
| Minnesota | $1,442 | -$282 | -16.4% |
| Mississippi | $2,062 | $338 | 19.6% |
| Missouri | $1,528 | -$196 | -11.4% |
| Montana | $1,850 | $126 | 7.3% |
| Nebraska | $1,354 | -$370 | -21.5% |
| Nevada | $2,064 | $340 | 19.7% |
| New Hampshire | $1,240 | -$484 | -28.1% |
| New Jersey | $1,922 | $198 | 11.5% |
| New Mexico | $1,526 | -$198 | -11.5% |
| New York | $1,810 | $86 | 5.0% |
| North Carolina | $990 | -$734 | -42.6% |
| North Dakota | $1,410 | -$314 | -18.2% |
| Ohio | $1,188 | -$536 | -31.1% |
| Oklahoma | $1,766 | $42 | 2.4% |
| Oregon | $1,576 | -$148 | -8.6% |
| Pennsylvania | $1,644 | -$80 | -4.6% |
| Rhode Island | $2,296 | $572 | 33.2% |
| South Carolina | $1,560 | -$164 | -9.5% |
| South Dakota | $1,454 | -$270 | -15.7% |
| Tennessee | $1,508 | -$216 | -12.5% |
| Texas | $2,074 | $350 | 20.3% |
| Utah | $1,276 | -$448 | -26.0% |
| Vermont | $1,176 | -$548 | -31.8% |
| Virginia | $1,032 | -$692 | -40.1% |
| Washington | $1,330 | -$394 | -22.9% |
| West Virginia | $1,578 | -$146 | -8.5% |
| Wisconsin | $1,192 | -$532 | -30.9% |
| Wyoming | $1,534 | -$190 | -11.0% |
Opting for high physical damage deductibles could save up to $690 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $448 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Every company utilizes a different rate formula, so rate quotes may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia K5 | $404 | $688 | $466 | $1,758 |
| 2023 Kia K5 | $384 | $660 | $488 | $1,732 |
| 2022 Kia K5 | $370 | $656 | $498 | $1,724 |
| 2021 Kia K5 | $356 | $640 | $520 | $1,716 |
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 the Best Cheap Kia K5 Insurance
Getting lower rates on car insurance not only requires being a low-risk driver, but also having a positive credit history, being claim-free, and not having any coverage lapses. Comparison shop once a year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The items below are a quick review of the data that was touched on in the above illustrations.
- You may be able to save approximately $210 per year simply by quoting online well ahead of the renewal date
- Policyholders who want more liability coverage will pay around $550 per year to go from a low limit to the 250/500 level
- Teen drivers have the highest car insurance prices, possibly costing $534 a month if full coverage is purchased
- Higher risk drivers with a DUI or reckless driving violation could be charged and average of $2,000 more annually to insure their K5
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,412 |
| 20 | $3,968 |
| 30 | $1,794 |
| 40 | $1,724 |
| 50 | $1,570 |
| 60 | $1,540 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,174 |
| $250 | $1,964 |
| $500 | $1,724 |
| $1,000 | $1,490 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,724 |
| 50/100 | $1,824 |
| 100/300 | $1,948 |
| 250/500 | $2,272 |
| 100 CSL | $1,873 |
| 300 CSL | $2,147 |
| 500 CSL | $2,347 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,144 |
| 20 | $6,308 |
| 30 | $3,802 |
| 40 | $3,720 |
| 50 | $3,548 |
| 60 | $3,514 |
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 | $89 |
| Homeowner | $25 |
| 5-yr Accident Free | $126 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $79 |
| Advance Quote | $85 |
| Online Quote | $122 |
| Total Discounts | $728 |
Discounts are estimated and may not be available from every company or in every state.
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