Kia K5 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Kia K5 are $1,716 a year with full coverage. Comprehensive insurance costs around $356 a year, collision costs $640, and liability insurance is $520. A policy with only liability insurance costs around $592 a year, with a high-risk policy costing $3,710 or more. Teen drivers pay the most at $6,430 a year or more.
Average premium for full coverage: $1,716
Premium estimates for type of coverage:
These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and K5 trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Kia K5 go from as low as $592 for just liability coverage to a high of $3,710 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates how geographic area affects auto insurance rates.
These rate differences demonstrate why it is important to compare rates quotes for a specific zip code and risk profile, rather than relying on price 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.
Detailed Rate Analysis
The chart below details estimated Kia K5 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $991
- Raising to $1,000 deductibles will save about $1,490 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $1,716
- Choosing low $100 deductibles will cost an extra $438 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,710 or more
- An auto insurance policy for full coverage for a teen driver can be $6,430
Car insurance prices for a Kia K5 also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
Older drivers with no driving violations and high deductibles could pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $6,400 a year. View Rates by Age
Where you choose to live also has a big influence on Kia K5 insurance rates. A middle-age driver might find prices as low as $1,230 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,310 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,550 | -$166 | -9.7% |
| Alaska | $1,314 | -$402 | -23.4% |
| Arizona | $1,422 | -$294 | -17.1% |
| Arkansas | $1,716 | -$0 | 0.0% |
| California | $1,952 | $236 | 13.8% |
| Colorado | $1,636 | -$80 | -4.7% |
| Connecticut | $1,762 | $46 | 2.7% |
| Delaware | $1,942 | $226 | 13.2% |
| Florida | $2,144 | $428 | 24.9% |
| Georgia | $1,582 | -$134 | -7.8% |
| Hawaii | $1,232 | -$484 | -28.2% |
| Idaho | $1,164 | -$552 | -32.2% |
| Illinois | $1,278 | -$438 | -25.5% |
| Indiana | $1,294 | -$422 | -24.6% |
| Iowa | $1,160 | -$556 | -32.4% |
| Kansas | $1,628 | -$88 | -5.1% |
| Kentucky | $2,338 | $622 | 36.2% |
| Louisiana | $2,538 | $822 | 47.9% |
| Maine | $1,058 | -$658 | -38.3% |
| Maryland | $1,416 | -$300 | -17.5% |
| Massachusetts | $1,372 | -$344 | -20.0% |
| Michigan | $2,978 | $1,262 | 73.5% |
| Minnesota | $1,436 | -$280 | -16.3% |
| Mississippi | $2,056 | $340 | 19.8% |
| Missouri | $1,522 | -$194 | -11.3% |
| Montana | $1,846 | $130 | 7.6% |
| Nebraska | $1,352 | -$364 | -21.2% |
| Nevada | $2,056 | $340 | 19.8% |
| New Hampshire | $1,234 | -$482 | -28.1% |
| New Jersey | $1,916 | $200 | 11.7% |
| New Mexico | $1,518 | -$198 | -11.5% |
| New York | $1,806 | $90 | 5.2% |
| North Carolina | $988 | -$728 | -42.4% |
| North Dakota | $1,406 | -$310 | -18.1% |
| Ohio | $1,184 | -$532 | -31.0% |
| Oklahoma | $1,760 | $44 | 2.6% |
| Oregon | $1,570 | -$146 | -8.5% |
| Pennsylvania | $1,636 | -$80 | -4.7% |
| Rhode Island | $2,288 | $572 | 33.3% |
| South Carolina | $1,556 | -$160 | -9.3% |
| South Dakota | $1,448 | -$268 | -15.6% |
| Tennessee | $1,502 | -$214 | -12.5% |
| Texas | $2,066 | $350 | 20.4% |
| Utah | $1,270 | -$446 | -26.0% |
| Vermont | $1,174 | -$542 | -31.6% |
| Virginia | $1,028 | -$688 | -40.1% |
| Washington | $1,326 | -$390 | -22.7% |
| West Virginia | $1,572 | -$144 | -8.4% |
| Wisconsin | $1,186 | -$530 | -30.9% |
| Wyoming | $1,530 | -$186 | -10.8% |
Choosing high deductibles can reduce prices by up to $670 each year, while buying higher liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $468 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $2,000 to $2,800 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates
With such a large range in prices, the best way to find out your exact price is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different from one company to the next.
| 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 Cheap Kia K5 Insurance
Finding better rates on Kia K5 insurance consists of being a safe and courteous driver, having above-average credit, being claim-free, and qualifying for all possible discounts. Invest the time to compare rates at every other renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below is a brief summary of the concepts that were presented in the illustrations above.
- High-risk drivers that tend to have accidents or serious violations pay an average of $1,990 more every year for auto insurance
- Teenage drivers are the costliest to insure, possibly costing $536 per month if full coverage is included
- You may be able to save up to $210 per year simply by quoting early and online
- Increasing policy deductibles can save around $675 each year
- You may be able to save up to $210 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,430 |
| 20 | $3,958 |
| 30 | $1,786 |
| 40 | $1,716 |
| 50 | $1,564 |
| 60 | $1,534 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,154 |
| $250 | $1,952 |
| $500 | $1,716 |
| $1,000 | $1,490 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,716 |
| 50/100 | $1,820 |
| 100/300 | $1,950 |
| 250/500 | $2,288 |
| 100 CSL | $1,872 |
| 300 CSL | $2,158 |
| 500 CSL | $2,366 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,174 |
| 20 | $6,298 |
| 30 | $3,788 |
| 40 | $3,710 |
| 50 | $3,542 |
| 60 | $3,506 |
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 | $90 |
| Homeowner | $26 |
| 5-yr Accident Free | $125 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $77 |
| Advance Quote | $84 |
| Online Quote | $121 |
| Total Discounts | $725 |
Discounts are estimated and may not be available from every company or in every state.
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