Kia K5 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $356
Collision $640
Liability $520

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.

Liability Only $592
Full Coverage $1,716
High Risk $3,710

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.

Rural Areas $1,287
Small Cities $1,802
Large Cities $2,317

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

View Chart as Image

Kia K5 insurance cost comparison chart
Column chart showing full coverage Kia K5 insurance prices range from $991 to $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.

Kia K5 Insurance Rates by State
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%

View Chart as Image

Kia K5 insurance rates by U.S. city

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.

Kia K5 Insurance Rates by Model Year
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

Rates by Driver Age

Kia K5 Insurance 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

Kia K5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,154
$250 $1,952
$500 $1,716
$1,000 $1,490

Full coverage, driver age 40

Rates by Liability Limit

Kia K5 Insurance Rates with Different Liability Limits
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

Kia K5 Insurance 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.

SR-22 Surcharge $239

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
Rate after discounts $991

Discounts are estimated and may not be available from every company or in every state.

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