Insurance premiums for the Kia K5 average $193 monthly for full coverage and $99 for minimum coverage. Trim level and model year affect costs, ranging from $82 to $221 monthly.
Kia K5 Insurance Cost
Updated: May 8, 2026
Key Takeaways
Kia K5 insurance costs average $193 a month for full coverage, though that can vary widely depending on your model year and the company you choose. GEICO offers the cheapest rates on average for K5 owners. Read more.
Among sedans, the K5 ranks 121st out of 199 for insurance affordability in the U.S. market, placing it in the middle tier for its vehicle type. Sedans tend to have lower repair costs and better safety ratings than other vehicle types, which keeps K5 premiums reasonably affordable overall. Read more.
For the most accurate rates, look up costs by your K5's model year, especially when a teen driver is on your policy. Model year makes a notable difference in premium calculations. Read MoneyGeek's analysis of rates by company for specific K5 model years depending on the age of the drivers.
How Much Is Kia K5 Insurance?
| Kia K5 | $99 | $193 |
Looking for another Kia model? Read more about the cost of Kia car insurance models.
Insurance costs for the Kia K5 vary by model year, with monthly premiums ranging from $91 for older vehicles to $221 for newer models. Newer K5s cost more to insure because they carry a higher market value.
Insurance costs for a Kia K5 depend on model year and insurer. Full coverage ranges from $179 a month with GEICO to $505 with AIG, while minimum coverage ranges from $83 with GEICO to $207 with UAIC.
K5 owners stand to save by comparing quotes: minimum coverage varies by more than $124 and full coverage by more than $326 between insurers. Each company calculates risk differently for the Kia K5, which affects your final quote.
| AAA | $152 | $316 |
| AIG | $200 | $505 |
| Allstate | $162 | $316 |
| Amica | $169 | $346 |
| Chubb | $195 | $388 |
| Farmers | $200 | $354 |
| Geico | $83 | $179 |
| Kemper | $137 | $274 |
| Nationwide | $184 | $318 |
| Progressive | $160 | $301 |
| State Farm | $130 | $270 |
| The Hartford | $137 | $233 |
| Travelers | $141 | $262 |
| UAIC | $207 | $260 |
Is Kia K5 Expensive to Insure?
MoneyGeek's analysis of 199 sedans ranks the Kia K5 121st for insurance affordability, with 120 sedan models costing less to insure. Monthly rates land just above a Lincoln MKS and just below a Dodge Dart.
Among all 827 vehicles in our database, the Kia K5 ranks 486th for affordability. The Saturn S-Series is the cheapest sedan to insure, and the Cadillac CTS-V carries the highest premiums.
| Acura ILX | $143 | 118 |
| Lexus ES | $143 | 119 |
| Lincoln MKS | $145 | 120 |
| Kia K5 | $146 | 121 |
| Dodge Dart | $146 | 122 |
| Audi S4 | $148 | 123 |
| Hyundai Elantra | $151 | 124 |
Several factors affect what you'll pay for Kia K5 insurance:
- Average repair or replacement costs: With annual repair costs averaging $660, the Kia K5 ranks as the eighth most affordable model to maintain among Kia's 21 vehicles, keeping insurance premiums relatively manageable.
- Vehicle trim, features and accessories: Higher-performance trims carry higher premiums due to increased horsepower output. The K5's performance range runs from 180 to 290 horsepower depending on trim, with more powerful variants costing more to insure.
- Driver Profile: The K5 attracts drivers aged 30 to 45, with a median age around 37, a group that tends to get lower rates due to responsible driving habits. Its performance reputation, though, can draw risk-taking behaviors that concern insurers. Read more about the costs of Kia K5s for young drivers.
Kia K5 Costs by Model Year and Driver Age by Insurance Company
Your Kia K5's model year is a key factor in insurance costs, along with the age of drivers on your policy. A 35- to 55-year-old driver pays around $208 a month for full coverage on a 2021 Kia K5, while the same driver pays $238 a month for a 2025 model. Newer vehicles cost more to insure than older ones, and teen drivers and those in their early twenties pay much higher rates regardless of model year.
GEICO offers the most affordable rates for all Kia K5 model years and could save you hundreds a month compared to average costs. Comparing quotes from multiple insurers gives you the best shot at cutting your premium.
Cost of Car Insurance for 2025 Kia K5
| Geico | $77 | $169 |
| State Farm | $89 | $185 |
| Travelers | $90 | $169 |
| Nationwide | $93 | $162 |
| Progressive | $97 | $182 |
| National General | $99 | $203 |
| The Hartford | $101 | $173 |
| Kemper | $104 | $212 |
| Allstate | $120 | $234 |
| AAA | $127 | $264 |
| UAIC | $145 | $184 |
| Farmers | $154 | $273 |
| Amica | $165 | $341 |
| Chubb | $175 | $352 |
| AIG | $180 | $463 |
2025 Kia K5 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $695 | $612 | $541 | $467 | $413 | $351 | $319 | $285 | $261 | $230 |
| Nationwide | $731 | $669 | $615 | $522 | $442 | $287 | $266 | $248 | $235 | $210 |
| Geico | $959 | $702 | $589 | $429 | $368 | $298 | $274 | $226 | $214 | $194 |
| Travelers | $1,022 | $753 | $601 | $465 | $415 | $294 | $270 | $251 | $233 | $195 |
| Allstate | $1,104 | $865 | $700 | $518 | $464 | $362 | $329 | $311 | $293 | $260 |
| Progressive | $1,322 | $1,070 | $888 | $495 | $432 | $348 | $310 | $277 | $254 | $219 |
| Farmers | $1,720 | $1,269 | $1,129 | $698 | $659 | $499 | $446 | $426 | $405 | $340 |
Cost of Car Insurance for 2024 Kia K5
| Geico | $70 | $153 |
| State Farm | $81 | $168 |
| Travelers | $82 | $154 |
| Nationwide | $85 | $147 |
| Progressive | $88 | $165 |
| National General | $90 | $184 |
| The Hartford | $92 | $157 |
| Kemper | $94 | $193 |
| Allstate | $109 | $212 |
| AAA | $115 | $240 |
| UAIC | $132 | $167 |
| Farmers | $140 | $248 |
| Amica | $150 | $309 |
| Chubb | $159 | $320 |
| AIG | $163 | $420 |
2024 Kia K5 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $632 | $556 | $491 | $424 | $375 | $319 | $290 | $259 | $237 | $208 |
| Nationwide | $664 | $607 | $559 | $474 | $401 | $261 | $242 | $226 | $213 | $191 |
| Geico | $871 | $637 | $535 | $389 | $334 | $270 | $249 | $206 | $195 | $176 |
| Travelers | $928 | $684 | $546 | $422 | $377 | $267 | $245 | $228 | $212 | $177 |
| Allstate | $1,003 | $786 | $636 | $471 | $422 | $329 | $299 | $282 | $267 | $236 |
| Progressive | $1,201 | $972 | $807 | $449 | $392 | $316 | $282 | $251 | $231 | $199 |
| Farmers | $1,562 | $1,152 | $1,026 | $634 | $598 | $454 | $405 | $387 | $368 | $309 |
Cost of Car Insurance for 2023 Kia K5
| Geico | $130 | $283 |
| National General | $222 | $454 |
| The Hartford | $226 | $385 |
| State Farm | $238 | $497 |
| Kemper | $238 | $475 |
| Travelers | $263 | $492 |
| AAA | $286 | $594 |
| Allstate | $289 | $571 |
| Progressive | $297 | $558 |
| Nationwide | $333 | $577 |
| Amica | $335 | $687 |
| UAIC | $347 | $440 |
| Farmers | $364 | $648 |
| AIG | $391 | $1,007 |
| Chubb | $410 | $818 |
2023 Kia K5 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $874 | $800 | $736 | $625 | $528 | $343 | $318 | $297 | $280 | $251 |
| State Farm | $895 | $787 | $696 | $602 | $531 | $451 | $410 | $366 | $334 | $295 |
| Geico | $1,064 | $778 | $653 | $475 | $407 | $330 | $304 | $251 | $237 | $214 |
| Travelers | $1,173 | $861 | $686 | $531 | $472 | $338 | $311 | $288 | $267 | $226 |
| Allstate | $1,256 | $984 | $793 | $585 | $524 | $409 | $371 | $351 | $330 | $292 |
| Progressive | $1,561 | $1,261 | $1,046 | $581 | $507 | $409 | $364 | $325 | $299 | $257 |
| Farmers | $1,826 | $1,349 | $1,201 | $743 | $701 | $532 | $475 | $454 | $432 | $363 |
Cost of Car Insurance for 2022 Kia K5
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
2022 Kia K5 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $797 | $729 | $671 | $570 | $482 | $313 | $290 | $270 | $256 | $229 |
| State Farm | $839 | $738 | $652 | $564 | $497 | $423 | $384 | $343 | $313 | $276 |
| Geico | $940 | $687 | $577 | $420 | $360 | $292 | $269 | $221 | $209 | $189 |
| Travelers | $1,052 | $772 | $614 | $475 | $422 | $304 | $279 | $258 | $240 | $203 |
| Allstate | $1,123 | $878 | $707 | $521 | $466 | $364 | $330 | $312 | $294 | $260 |
| Progressive | $1,416 | $1,143 | $948 | $526 | $459 | $370 | $330 | $294 | $271 | $232 |
| Farmers | $1,582 | $1,169 | $1,041 | $645 | $608 | $461 | $412 | $394 | $375 | $315 |
Cost of Car Insurance for 2021 Kia K5
| Geico | $90 | $196 |
| National General | $154 | $315 |
| The Hartford | $157 | $267 |
| State Farm | $165 | $345 |
| Kemper | $165 | $329 |
| Travelers | $182 | $341 |
| AAA | $198 | $411 |
| Allstate | $201 | $396 |
| Progressive | $206 | $387 |
| Nationwide | $231 | $400 |
| Amica | $232 | $476 |
| UAIC | $240 | $305 |
| Farmers | $253 | $449 |
| AIG | $271 | $698 |
| Chubb | $284 | $567 |
2021 Kia K5 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $745 | $682 | $628 | $533 | $451 | $292 | $271 | $253 | $239 | $214 |
| State Farm | $785 | $690 | $610 | $527 | $465 | $396 | $359 | $321 | $293 | $258 |
| Geico | $879 | $643 | $540 | $393 | $337 | $273 | $251 | $207 | $196 | $177 |
| Travelers | $984 | $722 | $574 | $444 | $395 | $284 | $261 | $242 | $224 | $190 |
| Allstate | $1,050 | $822 | $661 | $487 | $436 | $340 | $309 | $292 | $275 | $243 |
| Progressive | $1,325 | $1,069 | $887 | $492 | $429 | $346 | $308 | $275 | $253 | $217 |
| Farmers | $1,480 | $1,094 | $974 | $603 | $569 | $432 | $385 | $368 | $350 | $294 |
Kia K5 Insurance Cost by Trim
Insurance costs for your Kia K5 vary dramatically by trim, ranging from $82 monthly for minimum coverage on basic LX Sedan 4D models to $215 for full coverage on high-performance EX variants. Performance features and market value determine where each trim falls in this range.
| Lx Sedan 4d | $82 | $160 |
| Lxs | $85 | $166 |
| Lxs Sedan 4d | $89 | $175 |
| Gt-Line | $97 | $190 |
| Ex Sedan 4d | $102 | $199 |
| Gt | $103 | $202 |
| Gt-Line Sedan 4d | $104 | $204 |
| Gt Sedan 4d | $110 | $214 |
| Ex | $110 | $215 |
Kia K5 Insurance Cost by State
Car insurance for a Kia K5 costs as much as $204 monthly in Louisiana or as little as $38 in Wyoming for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the vehicle model itself.
| Alabama | $94 | $179 |
| Alaska | $72 | $154 |
| Arizona | $148 | $275 |
| Arkansas | $87 | $195 |
| California | $90 | $182 |
| Colorado | $102 | $246 |
| Connecticut | $129 | $223 |
| Delaware | $139 | $233 |
| Florida | $121 | $287 |
| Georgia | $148 | $244 |
| Hawaii | $51 | $115 |
| Idaho | $55 | $113 |
| Illinois | $92 | $173 |
| Indiana | $65 | $127 |
| Iowa | $62 | $149 |
| Kansas | $73 | $171 |
| Kentucky | $117 | $200 |
| Louisiana | $204 | $429 |
| Maine | $56 | $116 |
| Maryland | $152 | $259 |
| Massachusetts | $103 | $220 |
| Michigan | $169 | $330 |
| Minnesota | $84 | $177 |
| Mississippi | $105 | $204 |
| Missouri | $120 | $242 |
| Montana | $79 | $190 |
| Nebraska | $74 | $168 |
| Nevada | $174 | $315 |
| New Hampshire | $73 | $131 |
| New Jersey | $158 | $262 |
| New Mexico | $82 | $184 |
| New York | $121 | $218 |
| North Carolina | $86 | $170 |
| North Dakota | $66 | $146 |
| Ohio | $77 | $151 |
| Oklahoma | $100 | $223 |
| Oregon | $118 | $206 |
| Pennsylvania | $89 | $213 |
| Rhode Island | $122 | $220 |
| South Carolina | $98 | $184 |
| South Dakota | $58 | $181 |
| Tennessee | $76 | $156 |
| Texas | $124 | $252 |
| Utah | $103 | $176 |
| Vermont | $50 | $121 |
| Virginia | $89 | $145 |
| Washington | $92 | $171 |
| West Virginia | $87 | $178 |
| Wisconsin | $68 | $151 |
| Wyoming | $38 | $122 |
How to Lower the Cost of Kia K5 Insurance
We've compiled proven strategies to help you find better rates on your Kia K5 insurance:
- 1Choose the right coverage
Decide how much coverage to buy for your Kia K5 based on how you use and own the vehicle. Owners who have paid off their K5 can pair state minimum liability coverage with comprehensive and collision coverage and a $1,000 deductible to keep premiums lower.
Those who want more protection can raise liability limits to 100/300/100 and choose a $500 deductible for comprehensive and collision coverage. Financed or leased Kia K5 models generally require 100/300/100 liability limits, comprehensive and collision coverage with a $500 deductible and gap insurance.
- 2Research costs and cheap companies
Know what to expect by reviewing average auto insurance costs for performance sedans. That baseline makes it easier to spot value among the cheapest car insurance companies. Typical Kia K5 insurance costs also help identify genuinely affordable options and avoid overpriced policies.
- 3Look for more than just low rates
Choose reliable car insurance by looking beyond quoted rates. Check J.D. Power satisfaction ratings, examine forum feedback about claims processing, look at Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers may offer limited coverage or slower claims service, which can lead to higher costs during a claim.
- 4Take advantage of available discounts
Car insurance discounts can bring down what you pay for Kia K5 coverage. K5 owners often qualify for safety feature discounts, good driver discounts, multi-vehicle savings and bundling discounts. Combined, these can trim your premium without changing your coverage levels.
- 5Try alternative car insurance types
Kia K5 owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions based on your actual driving behavior. Such programs work well for careful drivers who want to earn savings through their good habits.
- 6Check rates every year
Get car insurance quotes from several companies every year. Your insurer won't notify you when competitors lower prices, and yearly comparisons can save up to 24% on Kia K5 coverage. Rates shift often, so an annual quote check is the simplest way to avoid overpaying.
Kia K5 Insurance Cost: Bottom Line
Kia K5 insurance runs about average in cost, but competitive rates are still available. Check quotes from multiple insurers and claim available discounts to lower your coverage costs.
Kia K5 Insurance Rates: FAQ
What is the average cost of car insurance for a Kia K5?
Insurance for a Kia K5 averages $1,185 annually for minimum coverage and $2,317 for full coverage. Monthly costs run about $99 for minimum and $193 for comprehensive protection.
What company has the cheapest car insurance for a Kia K5?
GEICO provides the most affordable Kia K5 insurance, with minimum coverage at $996 annually and full coverage at $2,148 per year.
Are Kia K5s expensive to insure?
No, Kia K5 insurance is not expensive compared to most vehicles. Among sedans specifically, this model ranks 121st out of 199 for affordability, placing it in the lower-cost half of its category.
What factors affect insurance costs for Kia K5s?
Multiple factors affect Kia K5 insurance rates. The vehicle's high safety ratings help reduce premiums, while moderate theft rates and affordable repair costs keep coverage expenses reasonable. Your driving record, credit score and chosen coverage levels all affect your final premium.
How can I lower Kia K5 insurance costs?
Compare quotes from multiple insurers since Kia K5 pricing varies by company, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier and maintain a clean driving record to qualify for better rates.
How We Determined Kia K5 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Kia K5 insurance costs.
Who We Based These Rates On
These Kia K5 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!