Kia K5 Insurance Rates

Average insurance rates for a Kia K5 are $1,692 a year for full coverage. Comprehensive insurance costs around $344 a year, collision insurance costs $612, and liability is estimated at $536. Liability-only coverage costs approximately $606 a year, and high-risk coverage costs $3,662 or more. 16-year-old drivers receive the highest rates at up to $6,386 a year.

Average premium for full coverage: $1,692

Rate estimates for individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and K5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities. The diagram below illustrates how your location can change auto insurance rates.

These examples show why it is important to get quotes for a specific zip code and risk profile, instead of using rate averages.

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

Rate Comparisons

The chart below shows average Kia K5 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $979
• Choosing higher $1,000 deductibles can save about $1,476 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,692
• Buying low $100 deductibles for comp and collision coverage will cost an extra $424 every year
• Unlucky drivers with multiple tickets or accidents could pay at least $3,662
• The cost for full coverage for a teen driver can be $6,386 each year

View Chart as Image

Car insurance rates for a Kia K5 can also vary considerably based on your driver profile, the trim level of your K5, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,600 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $6,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Kia K5 insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Idaho, Maine, and Iowa, or at least $2,410 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $640 every year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $2,000 to $2,800 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 132% more than the average rate. View High Risk Driver Rates

How to Find Low Cost Kia K5 Insurance

Saving money on car insurance takes having a decent driving record, having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Invest the time to shop around at least every other year by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

The following items are a review of the car insurance concepts illustrated above.

• Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,970 more every year than a driver with a clean driving record
• Drivers can save up to $200 per year just by quoting early and online
• Increasing deductibles can save around $650 each year
• Policyholders who may need additional liability coverage will pay around $590 each year to raise limits from a minimum limit to 250/500 limits