Kia K5 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Kia K5 are $1,724 every 12 months for full coverage. Comprehensive costs around $370, collision costs $656, and liability insurance is estimated at $498. Liability-only insurance costs approximately $574 a year, with high-risk driver insurance costing around $3,720. 16-year-old drivers pay the most at $6,412 a year or more.
Average premium for full coverage: $1,724
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all K5 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Kia K5 go from the cheapest price of $574 for the bare minimum liability coverage to the much higher price of $3,720 for a high-risk insurance policy.
Insurance Price Range by Location
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than congested cities.
The example below illustrates how geographic area affects auto insurance rates.
These rate differences show why everyone should get quotes for a specific zip code and their own driving history, rather than relying on 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 Information
The chart below shows estimated Kia K5 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $996
- Choosing higher $1,000 deductibles can save about $234 a year
- The average price for a 40-year-old good driver using $500 deductibles is $1,724
- Buying pricier low deductibles for comp and collision coverage increases the price to $2,174
- High-risk insureds with multiple tickets or accidents could pay at least $3,720 or more
- An auto insurance policy to insure a teen driver for full coverage can be $6,412 each year
Insurance prices for a Kia K5 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $690 each year, whereas buying more liability protection will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $448 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay as much as $6,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $2,000 to $2,800 additional annually, depending on your age. Kia K5 insurance for high-risk drivers ranges anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Kia K5 insurance rates. A good driver about age 40 could pay as low as $1,140 a year in states like Idaho, Maine, and Iowa, or at least $2,450 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know your exact price is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, and prices will be substantially 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 Shop for the Best Cheap Kia K5 Insurance
Finding better rates on Kia K5 insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates at least every other year by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The points below are a quick review of the car insurance concepts presented in the illustrations above.
- High-risk drivers with a DUI or reckless driving violation may pay on average $2,000 more every year to insure a Kia K5
- Drivers can save up to $210 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $675 each year
- Drivers who may need increased liability limits will pay around $550 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
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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