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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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The average cost to insure a Kia K5 is $204 per month, which is about 23% higher than the national average of $166 per month.
USAA offers the cheapest car insurance for the Kia K5, at about $77 per month for liability-only coverage.
Higher repair and claims costs make the K5 more expensive to insure.
Your car insurance costs will vary depending on the type of coverage you select. A liability-only policy is typically the cheapest option, but it only covers damage or injuries you cause to other people or their property.
To protect your own vehicle, a full-coverage insurance policy includes liability insurance plus collision coverage and comprehensive insurance. You’ll typically need full coverage if you finance or lease your Kia K5.
Here’s how average monthly insurance costs for the K5 stack up for liability only and full coverage, along with how they compare to the national average for all vehicles.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Kia K5 | $139 | $269 | $204 |
| All vehicles | $116 | $216 | $166 |
Kia K5 drivers pay around $139 per month for liability insurance and $269 per month for full coverage — both higher than the national average for all vehicles. Next, we’ll break down some of the cheapest insurance options for the K5.
Comparing personalized quotes is the only way to find the best coverage.
Regardless of the average Kia K5 rates, you can still lower your insurance costs. One of the best strategies is to compare quotes from several insurance companies before choosing a policy.
The table below highlights the five most affordable car insurance companies for the Kia K5, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $111 |
| State Farm | $123 |
| Allstate | $157 |
| American Family | $167 |
| GEICO | $171 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
For Kia K5 owners in the military, USAA stands out for its exceptionally low prices. Along with its A++ (Superior) AM Best financial strength rating, it consistently earns the highest J.D. Power scores for customer satisfaction.[1]
USAA also offers accident forgiveness and SafePilot, a telematics program that lets you earn discounts for safe driving.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm has some of the lowest average monthly premiums for Kia K5 drivers. It also has a highly rated mobile app and a network of local agents.
While State Farm has fewer optional coverages for your K5, it offers many discounts that can further reduce your K5 insurance rates. It also receives above-average ratings for claims satisfaction and earned an AM Best financial strength rating of A+ (Superior).
Many local agents
Competitive rates
Above-average claims satisfaction[4]
Gap insurance not available
Can’t buy coverage online
Fewer optional coverages
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate is the nation’s fourth-largest auto insurer, providing insurance coverage in all 50 states. Along with rideshare and mechanical breakdown insurance, Allstate offers a telematics program and several discounts to help you save money on your Kia K5 insurance.
Although it has an AM Best financial strength rating of A+ (Superior), Allstate also has higher average rates and below-average claims satisfaction.
Available in all 50 states
Superior financial strength rating
Available accident forgiveness
Higher average rates
Below-average claims satisfaction rating
Many Better Business Bureau complaints
Comparing quotes can save you up to $867.†
Your Kia K5’s age can affect how much you pay for auto insurance. Older models usually cost less to insure, as they’re cheaper to repair or replace.
Here’s what drivers pay on average to insure a Kia K5, based on model year, according to Compare.com data.
K5 Model Year | Average Monthly Premium |
|---|---|
| 2026 | $245 |
| 2025 | $246 |
| 2024 | $246 |
| 2023 | $246 |
| 2022 | $246 |
| 2021 | $237 |
Company | Average Monthly Premium |
|---|---|
| USAA | $133 |
| State Farm | $148 |
| Allstate | $188 |
| American Family | $200 |
| GEICO | $205 |
Company | Average Monthly Premium |
|---|---|
| USAA | $134 |
| State Farm | $149 |
| Allstate | $190 |
| American Family | $202 |
| GEICO | $207 |
Company | Average Monthly Premium |
|---|---|
| USAA | $134 |
| State Farm | $149 |
| Allstate | $190 |
| American Family | $202 |
| GEICO | $207 |
Company | Average Monthly Premium |
|---|---|
| USAA | $134 |
| State Farm | $148 |
| Allstate | $189 |
| American Family | $201 |
| GEICO | $206 |
Company | Average Monthly Premium |
|---|---|
| USAA | $134 |
| State Farm | $148 |
| Allstate | $189 |
| American Family | $201 |
| GEICO | $206 |
Company | Average Monthly Premium |
|---|---|
| USAA | $129 |
| State Farm | $143 |
| Allstate | $183 |
| American Family | $194 |
| GEICO | $199 |
Kia K5 insurance rates vary significantly across the country. A variety of local factors — from repair costs and accident rates to state insurance laws and weather risks — can affect how much you pay. Your location, down to your ZIP code, can even influence your premium.[5]
Check out the map below to compare average monthly premiums for Kia K5 drivers in each state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $168 |
| Arizona | $179 |
| Arkansas | $194 |
| California | $219 |
| Colorado | $219 |
| Connecticut | $304 |
| Delaware | $255 |
| Florida | $237 |
| Georgia | $272 |
| Hawaii | $135 |
| Idaho | $112 |
| Illinois | $169 |
| Indiana | $139 |
| Iowa | $115 |
| Kansas | $158 |
| Kentucky | $211 |
| Louisiana | $228 |
| Maine | $149 |
| Maryland | $324 |
| Massachusetts | $161 |
| Michigan | $246 |
| Minnesota | $186 |
| Mississippi | $161 |
| Missouri | $194 |
| Montana | $159 |
| Nebraska | $154 |
| Nevada | $270 |
| New Hampshire | $94 |
| New Jersey | $287 |
| New Mexico | $155 |
| New York | $235 |
| North Carolina | $95 |
| North Dakota | $125 |
| Ohio | $132 |
| Oklahoma | $183 |
| Oregon | $163 |
| Pennsylvania | $172 |
| Rhode Island | $235 |
| South Carolina | $261 |
| South Dakota | $147 |
| Tennessee | $152 |
| Texas | $234 |
| Utah | $160 |
| Vermont | $153 |
| Virginia | $191 |
| Washington | $181 |
| Washington D.C. | $336 |
| West Virginia | $157 |
| Wisconsin | $129 |
| Wyoming | $120 |
Your age, as well as the age of anyone on your policy, can affect your K5 rates. Teen and young adult drivers tend to pay much higher premiums due to their increased risk of accidents and limited driving experience.
The table below compares average monthly insurance rates for Kia K5 drivers by age group, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $392 |
| Adults | $204 |
| Seniors | $175 |
Teen drivers’ insurance premiums average more than twice what adults pay. While rates generally decline as drivers gain experience, they may start creeping back up once you reach your 70s due to an increase in age-related risk factors.
Teens and drivers younger than 25 pay more for Kia K5 insurance because they’re much more likely to get into a wreck. In fact, drivers between the ages of 16 and 19 have a fatal crash rate almost three times higher than that of older drivers.[6]
Since every insurer weighs age and risk differently, comparing prices from several companies is one of the best ways to avoid paying more than you have to. The chart below shows the cheapest insurers for young K5 drivers, according to Compare.com data.
Insurers consider senior drivers a lower claims risk because they typically have decades of experience behind the wheel, drive fewer miles, and take fewer risks when driving.[7] As for young drivers, rates for seniors can vary widely by company, so it’s wise to compare quotes from multiple companies to find the best rates.
The following chart shows which insurance companies offer the lowest rates for senior K5 drivers, according to Compare.com data.
Your driving record can significantly affect your Kia K5 insurance rate. Insurers use past driving behavior to predict future risk — just one speeding ticket or at-fault accident can increase your premium for several years. Driving under the influence (DUI) usually triggers the steepest increase and could even cause your insurer to cancel your policy.
That said, some companies specialize in high-risk drivers and offer cheaper rates. Check out the table below to see how Kia K5 insurance costs vary depending on your driving history, acocrding to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $204 |
| Speeding ticket | $273 |
| At-fault accident | $292 |
| DUI | $343 |
Insurers see speeding as aggressive behavior behind the wheel, and for good reason: It contributes to around 29% of traffic fatalities.[8] It’s no surprise that even a single speeding ticket can increase your insurance rates. And a major violation of 10 mph or more above the speed limit could cause your premiums to rise even more.
If you have a speeding ticket, it’s worth comparing quotes, as some insurers may offer cheaper rates. The chart below shows the cheapest insurers for K5 drivers with a speeding ticket, according to Compare.com data.
An at-fault accident typically increases your car insurance because it costs the insurance company money to pay out claims. Insurers also view you as more likely to file future claims. But rates and the way companies weigh accidents vary, so shopping around can help you avoid a substantial rate increase.
Below, you’ll find the best car insurance companies for Kia K5 drivers with a recent at-fault accident, according to Compare.com data.
Drivers with a DUI pay significantly more for Kia K5 insurance because alcohol-related crashes are among the deadliest. In 2023, almost 12,500 people died in drunk-driving accidents in the U.S.[9]
But you might be able to limit a large premium increase by comparing car insurance quotes from multiple companies. The following insurers offer some of the lowest rates for K5 drivers with a recent DUI conviction, according to Compare.com data.
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The cost of car insurance for a Kia K5 depends on more than just your driver profile. Insurers also consider the following vehicle factors:
Vehicle value: The 2025 Kia K5 has a starting MSRP of $28,365.[10] More affordable models typically cost less to insure because companies expect lower per-claim costs.
Repair costs and loss history: The Kia K5 has above-average loss ratios for a midsize car, meaning claims on this model tend to be more frequent or more costly, according to Insurance Institute for Highway Safety (IIHS) research. Insurers usually charge more for high-loss vehicles.
Safety features and ratings: The K5 has a 5-star National Highway Traffic Safety Administration (NHTSA) safety rating and standard safety features like blind-spot monitoring and forward-collision warning. These features improve safety and help reduce accidents, so insurers typically offer cheaper premiums.
If you’re looking to maximize your savings on Kia K5 car insurance, here are a few tips to help:
Pick a lower trim level. The K5 comes in four trim options: LXS, GT-Line, GT, and EX. Choosing a base or mid-tier trim can lower your premium, as repairs and replacement parts tend to be cheaper.
Skip the GT model. The turbocharged GT packs more power but often comes with higher insurance rates due to increased accident risk and higher repair costs.
Stick with front-wheel drive (FWD). All-wheel drive (AWD) is available on the GT-Line trim, but FWD is cheaper to insure thanks to its simpler, less expensive drivetrain.
Avoid aftermarket modifications. Adding performance upgrades or cosmetic mods to your K5 can drive up premiums or even disqualify you from standard coverage.
Compare quotes regularly. Insurance prices vary by company, so it’s smart to shop around at least once a year to make sure you’re getting the best rate. Also consider raising your deductibles.
Find the coverage you need for your Kia K5 at the best price.
For more information about Kia K5 auto insurance, see the answers to common questions drivers have below.
Yes. We found that the Kia K5 is more expensive to insure than other vehicles. On average, K5 drivers pay $139 per month for liability coverage and $269 for full coverage, which is above the national averages of $116 per month and $216 per month, respectively.
USAA offers the cheapest average rates for the Kia K5, at $111 per month according to our data. But every driver’s situation is different, and your rate can be higher or lower depending on your unique profile. It’s smart to compare rates before choosing a company.
The average car insurance premium for a 2026 Kia K5 is $245 per month, according to Compare.com data. But your exact rate will depend on your location, driving history, coverage limits, and other personal factors.
The cheapest Kia to insure is the Soul, with an average monthly premium of $131, according to our data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.