+120 more)
)
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.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The Kia K5 is a stylish midsize sedan with a comfortable ride, sleek design, and an excellent safety rating.[1] But insuring the vehicle is more expensive than average, with drivers paying an average of $139 per month for liability coverage and $262 for full coverage, according to Compare.com data.
The K5’s higher premium is largely due to the model’s theft rate. It was the fifth-most stolen vehicle in 2024, according to the National Insurance Crime Bureau. But your actual rate will depend on risk factors like your driving history, location, model year, credit history, and more.
Here’s what you should know before shopping for Kia K5 car insurance to save on coverage.
Kia K5 drivers pay an average of $200 per month for car insurance.
Mercury offers the cheapest rates for Kia K5 owners, averaging $136 per month.
Drivers in Nevada pay the lowest rates for K5 coverage, while Delaware residents pay the highest.
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.
If you want more protection, full coverage includes liability insurance plus collision coverage and comprehensive insurance to protect your own vehicle. 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 both types of coverage, along with how they compare to the national average.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Kia K5 | $139 | $262 | $200 |
| All vehicles | $108 | $190 | $149 |
Kia K5 drivers pay around $139 per month for liability insurance and $262 per month for full coverage — both higher than the national average across all vehicles. Next, we’ll break down some of the cheapest insurance options for the K5.
Regardless of the average rates for the Kia K5, 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 |
|---|---|
| Mercury | $136 |
| Safeco | $139 |
| Root | $144 |
| GEICO | $163 |
| Elephant | $179 |
Mercury offers the cheapest car insurance for Kia K5 drivers, with an average monthly premium of $136.
But keep in mind that the best company for you may vary depending on your driving history, location, and other factors. That’s why it’s important to compare insurance coverages before committing to a policy.
Next, we’ll explore which insurers offer the best value for different coverage options.
Comparing personalized quotes is the only way to find the best coverage.
No single insurer is the best fit for every driver, so it’s important to shop around for the right policy for your Kia K5. The most affordable option for one driver might not offer the best coverage or customer service for another.
To help you narrow down your choices, we’ve compared three top insurers for Kia K5 drivers. We choose each based on average premiums, available discounts, customer feedback, and policy features.
| User Reviews | NR |
|---|---|
| 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. | NR |
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Root stands out for Kia K5 drivers who practice safe driving habits. Instead of relying solely on your credit or driving history, Root uses its mobile app to track real-time driving behavior, such as braking, cornering, and phone use, to calculate your rate.
But the test-drive period can take up to 30 days, which may feel long if you’re looking for a quick and accurate car insurance quote.
Competitive rates for K5 drivers
Fast claims process
High Trustpilot rating[2]
No local agents
30-day test-drive period
Not available in every state
| User Reviews | NR |
|---|---|
| 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. | NR |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Safeco offers competitive rates for Kia K5 owners, plus excellent benefits for drivers who like to stick with the same insurer. You could earn accident forgiveness after a few claim-free years and shave up to $500 off your deductibles over time just by avoiding claims.
The company also gives you back 2.5% of your premium every six months you go without filing a claim. Just keep in mind that it doesn’t offer an online-only quote-and-purchase experience, and coverage isn’t available in all states.
Loyalty perks and rewards
Cash back for staying claims-free
New vehicle replacement coverage
Limited discount options
Must go through an agent for a quote
Only available in 35 states
| User Reviews | 4.0 |
|---|---|
| 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. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $135/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Kia K5 owners looking to cut insurance costs may find GEICO’s discount options hard to beat. From bundling with renters or homeowners insurance to going paperless or taking a defensive driving course, GEICO offers drivers plenty of ways to save.
It’s also one of the few insurers offering mechanical breakdown coverage, which can be a valuable add-on if you’re looking for protection beyond a standard warranty. Just be aware that customer satisfaction with claims service is mixed, and you’ll likely manage your policy without help from a local agent.
Many discounts available
Coverage available nationwide
Mechanical breakdown insurance available
Below-average claims satisfaction[3]
Gap insurance not available
Limited access to local agents
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 since 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 |
|---|---|
| 2025 | $213 |
| 2024 | $208 |
| 2023 | $206 |
| 2022 | $192 |
| 2021 | $192 |
Where you live plays a big role in your car insurance costs. Below, we break down how average premiums vary by state.
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.[4]
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 | $136 |
| Arizona | $197 |
| Arkansas | $178 |
| California | $219 |
| Colorado | $211 |
| Connecticut | $345 |
| Delaware | $381 |
| Florida | $283 |
| Georgia | $257 |
| Idaho | $287 |
| Illinois | $117 |
| Indiana | $122 |
| Iowa | $169 |
| Kansas | $144 |
| Kentucky | $159 |
| Louisiana | $224 |
| Maine | $238 |
| Maryland | $175 |
| Massachusetts | $359 |
| Michigan | $155 |
| Minnesota | $273 |
| Mississippi | $192 |
| Missouri | $193 |
| Montana | $158 |
| Nebraska | $154 |
| Nevada | $102 |
| New Hampshire | $137 |
| New Jersey | $159 |
| New Mexico | $107 |
| New York | $253 |
| North Carolina | $147 |
| North Dakota | $303 |
| Ohio | $364 |
| Oklahoma | $135 |
| Oregon | $181 |
| Pennsylvania | $171 |
| Rhode Island | $178 |
| South Carolina | $243 |
| South Dakota | $291 |
| Tennessee | $129 |
| Texas | $147 |
| Utah | $241 |
| Vermont | $182 |
| Virginia | $207 |
| Washington | $141 |
| District of Columbia | $181 |
| West Virginia | $129 |
| Wisconsin | $160 |
| Wyoming | $113 |
Your age plays a big role in how much you’ll pay for car insurance. Up next, we’ll break down how rates typically change as you age and gain more experience behind the wheel.
Your age, as well as the age of anyone on your policy, can affect your K5 rates. Teen and young adult drivers tend to face much higher premiums due to their higher risk of accidents and less driving experience.[5]
The table below compares average monthly insurance rates for Kia K5 drivers by age group, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $493 |
| Adults | $240 |
| Seniors | $217 |
Teen insurance premiums average more than double 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.
While you can’t control every factor that affects your car insurance rates, driving safely can go a long way toward lowering your premium. But if you rack up violations, such as speeding tickets, at-fault accidents, or driving under the influence (DUI), your insurer may see you as a greater risk and charge more.
Here’s a breakdown of average premiums by driving record for the Kia K5, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $262 |
| Speeding ticket | $364 |
| At-fault accident | $379 |
| DUI | $431 |
Speeding tickets and at-fault accidents can raise your insurance rate considerably, but a DUI usually results in the biggest spike. For Kia K5 drivers, a DUI can increase premiums by an average of 65%.
)
Certain Kia K5 features can also affect your rates — either lowering costs with added safety or increasing them with higher repair expenses. Consider the following features and options:
Safety features: The Kia K5 includes many safety features, such as parking sensors, safe exit assist, adaptive cruise control, auto emergency braking, blind-spot assist, and rear cross-traffic collision avoidance, which could get you a safety discount.
Turbocharged engines: More expensive trims that include turbocharged engines can lead to higher premiums due to increased repair costs and greater accident risk.
Drive capability: If you opt for the GT-Line all-wheel drive (AWD) trim, you may pay more for coverage, as AWD components are more expensive to replace than front-wheel drive (FWD) parts.
)
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, including the LXS, GT-Line, GT, and EX. Choosing a base or mid-tier trim can lower your premium since 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. 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.
Get personalized quotes for your Kia K5.
If you want to find the best coverage for the best price, check out answers to common questions drivers ask about Kia K5 car insurance.
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 $262 for full coverage, which is above the national averages of $108 per month and $190 per month, respectively.
Mercury Insurance offers the cheapest average rates for the Kia K5, with premiums starting at $136 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 2025 Kia K5 is $213 per month, according to Compare.com data. But your exact rate will depend on your location, driving history, coverage level, and other personal factors.
The cheapest Kia to insure is the Soul, with an average monthly premium of $135, 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.
)
)
)
)
)
)
)
)
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.
)
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.
