Kia K5 Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance prices for a Kia K5 are $1,716 every 12 months for full coverage insurance. Comprehensive insurance costs on average $356, collision insurance costs $640, and liability coverage costs around $520. Liability-only coverage costs as low as $592 a year, and high-risk coverage costs $3,710 or more. Teens receive the highest rates at up to $6,430 a year.
Average premium for full coverage: $1,716
Rate estimates by individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different K5 trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the cheapest price of $592 for your basic liability-only policy to a much higher rate of $3,710 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live has a large influence on insurance rates. Rural areas tend to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates how where you live affects car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than using averaged prices.
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 illustrates average Kia K5 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $991
- Using higher $1,000 deductibles will save around $226 each year
- The average price for a 40-year-old driver with $500 deductibles is $1,716
- Selecting more expensive low deductibles for physical damage coverage costs an extra $438 each year
- Higher-risk drivers with serious driving violations could pay upwards of $3,710
- The cost to insure a teenage driver with full coverage may cost $6,430 or more
Car insurance rates for a Kia K5 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your K5.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $670 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $1,600 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $6,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $2,000 to $2,800 extra per year, depending on your age. High-risk driver insurance can be around 44% to 130% more than the average policy. View High Risk Driver Rates
Where you live has a huge impact on Kia K5 insurance rates. A driver around age 40 might see rates as low as $1,120 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,310 on average in Michigan, New York, and Florida.
| 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% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia K5 | $384 | $660 | $488 | $1,732 |
| 2023 Kia K5 | $370 | $656 | $498 | $1,724 |
| 2022 Kia K5 | $356 | $640 | $520 | $1,716 |
| 2021 Kia K5 | $344 | $612 | $536 | $1,692 |
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 Kia K5 Insurance
Saving money on auto insurance requires being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a brief recap of the ideas that were touched on in the above illustrations.
- Teen drivers are expensive to insure, costing up to $536 per month if the policy includes full coverage
- Drivers who tend to receive serious violations pay on average $1,990 more each year to insure their K5
- Increasing deductibles could save as much as $675 each year
- It is possible to save as much as $210 per year just by shopping 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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