Kia K5 Insurance Rates

U.S. average insurance prices for a Kia K5 are $1,724 every 12 months for full coverage. Comprehensive costs an estimated $370 each year, collision insurance costs $656, and liability coverage costs $498. Liability-only coverage costs as little as $574 a year, and high-risk coverage costs around $3,720. Teenage drivers pay the highest rates at up to $6,412 a year.

Average premium for full coverage: $1,724

Price estimates broken down by individual coverage:

Prices include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and K5 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. More rural locations have more infrequent accident claims than densely populated cities. The graphic below illustrates how your location can change insurance prices.

The ranges above show why all drivers should compare rates for a targeted area and their own driving history, rather than using average rates.

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

Rate Comparisons

The chart below shows average Kia K5 insurance rates for other coverage scenarios.

• The best discount rate is $996
• Drivers who choose higher $1,000 deductibles will pay approximately $234 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,724
• Using low deductibles for comprehensive and collision insurance increases the price to $2,174
• High-risk insureds who are prone to accidents and violations could pay up to $3,720
• The price to insure a teenage driver can cost as much as $6,412 a year

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Auto insurance prices for a Kia K5 are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles could save up to $690 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $448 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $6,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $2,000 to $2,800 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,140 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,450 on average in New York, Louisiana, and Michigan.

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How to Shop for the Right Kia K5 Insurance

Getting lower rates on auto insurance not only requires having a good driving record, but also having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around at every other renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a quick rundown of the concepts that were illustrated above.

• Drivers with reckless driving or DUI convictions pay on average $2,000 more annually to buy Kia K5 insurance
• Drivers age 20 and younger are the costliest to insure, with premiums as much as $534 a month if comprehensive and collision insurance is included
• Drivers can save approximately $210 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $675 each year
• Drivers can save approximately $210 per year just by quoting online in advance