Kia K5 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a Kia K5 are $1,724 annually including full coverage. Comprehensive costs approximately $370, collision insurance costs $656, and liability costs around $498. Liability-only insurance costs as low as $574 a year, and high-risk driver insurance costs around $3,720. Teen drivers pay the most at up to $6,412 a year.
Average premium for full coverage: $1,724
Premium estimates by type of coverage:
These estimates include $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for all K5 models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Kia K5 range from as cheap as $574 for your basic liability-only policy to the much higher price of $3,720 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how your location can change auto insurance prices.
These rate differences highlight why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based 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.
More Rate Information
The chart below breaks down average Kia K5 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $996
- Using higher $1,000 deductibles will save $234 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,724
- Choosing pricier low deductibles for physical damage coverage will cost $2,174
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,720
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost $6,412 or more
Insurance prices for a Kia K5 also have a wide range based on the model of your K5, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $6,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $2,000 to $2,800 additional annually, depending on your age. Kia K5 insurance for high-risk drivers can be from 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $690 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $448 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Kia K5 insurance prices. A driver around age 40 might see prices as low as $1,320 a year in states like Vermont, New Hampshire, and Missouri, or as much as $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% |
| 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 Buy Cheap Kia K5 Insurance
Finding better rates on insurance for a Kia K5 requires not taking risks behind the wheel, having good credit, refrain from filing small claims, and consideration of higher deductibles. Invest the time to shop around once a year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.
The following is a brief summary of the data that was illustrated above.
- You may be able to save around $210 per year just by quoting online well ahead of the renewal date
- Insureds who purchase higher liability limits will pay about $550 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
- Teens are the costliest to insure, with the cost nearing $534 per month if they have full coverage
- Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $2,000 more per year for K5 insurance
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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