Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 25, 2022

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Just the Basics

  • The average cost of full-coverage Kia K5 insurance is $1,539 a year ($128/month) but your rates may be higher or lower
  • Companies don’t charge the same rates for the same policies, and rates also vary depending on where you live and other individual factors
  • You may be able to lower your rates by shopping around and taking advantage of discounts

The Kia K5 is a midsize sedan with an appealing price tag, so you would expect Kia K5 insurance to have a similar value. However, looking for quality insurance at affordable rates is a tedious process, no matter what kind of car you buy. We’re here to help make it easier with this guide for finding the best car insurance for you.

We walk you through what to expect in your search for a policy that fits your needs, from average rates and the factors that impact the cost of coverage to how you can save money. By the time you finish reading, you should have the information you need to filter through your insurance options, and our quote tool can help you compare rates and policies for your Kia K5.

How much does Kia K5 insurance cost?

Kia K5 auto insurance rates can vary widely from company to company, place to place, and individual to individual, making it essential to shop around before settling on a policy. Whether you already own this type of vehicle or are considering purchasing one, getting a sense of the average cost of Kia K5 insurance gives you a good point of reference for how much you could be paying for your coverage. On average, people spend around $394 per year for liability insurance, $337 per year for comprehensive, and $651 annually for collision. Those who purchase full-coverage insurance pay average annual rates of $1,539.

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Factors That Affect Kia K5 Insurance Rates

Your monthly rates may be higher or lower than average, sometimes significantly so. Numerous factors determine what you end up paying for coverage. Some factors you can control, while others you can’t.

Vehicle Safety

Some cars are designed with safety in mind, while others encourage unsafe driving or have poor ratings. The Kia K5, and the Optima it replaced, is an economically priced vehicle, but it does well in safety tests. When the Optima was rebranded to the K5 in 2021, the National Highway Traffic Safety Administration gave the car a 5-star overall rating. The vehicle also comes with the following standard features:

  • Nine airbags, covering the front, driver’s knees, rear passengers, and sides of the car
  • Forward collision avoidance assist with vehicle, pedestrian, and cyclist detection
  • Driver attention warning system
  • Automatic emergency braking system
  • Lane-keeping and lane-following assist
  • Electronic stability control
  • Rearview camera

The Kia K5’s safety rating and standard features help reduce the cost of car insurance compared to similar vehicles with poorer safety records.

Car’s Age

The age of the vehicle impacts the rates you pay. Even if you purchase a used vehicle that is only a year old, the car’s value drops significantly, which may lower your rates. In general, older vehicles of the same make and model cost less to insure than new ones.

Driver’s Age

Age is an important factor in determining the cost of insurance. Teenage drivers have higher rates than any other age group, followed by drivers in their 20s. After an individual reaches 30, the difference in rates for each successive decade is much smaller, though the cost still decreases.

Driver’s Record

Insurance companies consider your driving record when they calculate your risk. Moving violations and car accidents lead to higher rates, and the more you have, the more you can expect to pay. On the other hand, companies often reward drivers who have clean records with discounts.

Credit Rating

In most states, your credit score impacts your insurance rates. Only California, Hawaii, Massachusetts, Michigan, and Washington prohibit the practice. Drivers with higher credit scores generally pay lower rates for their Kia K5 car insurance.

Driver’s Location

Where you live is another factor that affects how much you pay for coverage. Your rates can change by moving to another ZIP code, even if you stay in the same city. Rates also vary within and across states. Residents in Louisiana pay more on average than residents of any other state, while people in Maine have lower average rates than anywhere else in the country.

Driving Levels

Your driving habits can also play a role in your insurance rates. If you commute long distances or use your vehicle for work, you may pay more for coverage. Companies factor in how many miles you drive per year into how much they charge for a policy.

How can you save money on your Kia K5 insurance?

While some things are out of your control when paying for your Kia K5 auto insurance, the good news is that you can find ways to save money. In addition to shopping around and knowing how to compare insurance rates, you can take advantage of discounts the insurance companies offer. If you are eligible for discounts — such as those for good drivers, vehicle safety, or defensive driving courses — you may see a significant rate reduction.

Find Kia K5 Insurance That Is Right for You

Finding Kia K5 insurance that meets your needs at affordable rates doesn’t have to be hard when you have the right information and tools at your fingertips. Comparing rates and taking advantage of discounts can positively impact your Kia K5 auto insurance rates. Are you ready to find the right policy for you?