Kia K5 Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Kia K5 are $1,724 a year for full coverage. Comprehensive costs on average $370, collision insurance costs $656, and liability insurance is $498. A policy with just liability insurance costs around $574 a year, and coverage for high-risk drivers 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 by individual coverage:
Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different K5 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Kia K5 insurance prices range from as low as $574 for minimum levels of liability insurance to a much higher rate of $3,720 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how rural and urban location affects car insurance rates.
The ranges above show why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than relying on average rates.
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.
Additional Rate Details
The chart below shows average Kia K5 insurance rates for different risk profiles and scenarios.
- The best discount rate is $996
- Raising to $1,000 deductibles will save around $234 a year
- The average rate for the average middle-age driver with $500 deductibles is $1,724
- Using more expensive low deductibles will increase the cost to $2,174
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,720
- The price for full coverage for a teen driver with full coverage may cost $6,412
Insurance prices for a Kia K5 are also quite variable based on your driving record, the trim level of your K5, and policy deductibles and limits.
An older driver with a clean driving record and high deductibles could pay as little as $1,600 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $6,400 a year. View Rates by Age
The state you live in also has a big influence on Kia K5 insurance rates. A middle-age driver might find prices as low as $1,140 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,450 on average in Michigan, Louisiana, and New York.
| 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% |
Using high physical damage deductibles can reduce prices by up to $690 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $448 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at a minimum $2,000 to $2,800 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates
| 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 More Affordable Kia K5 Insurance
Getting lower rates on Kia K5 insurance consists of having a good driving record, maintaining good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Set aside time to shop around every other policy renewal by quoting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.
The next list is a summary of the ideas that were raised in the charts and tables above.
- Drivers age 20 and younger pay the highest prices, with premiums as much as $534 a month for full coverage
- High-risk drivers who have multiple accidents or major violations will pay on average $2,000 more each year to buy Kia K5 insurance
- Increasing physical damage deductibles can save around $675 each year
- Drivers can 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 | $6,412 |
| 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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