Kia K5 vs Chevrolet Malibu Insurance Cost
The Kia K5 is cheaper to insure by about $50 a year for full coverage by our estimate ($2,005 vs. $2,055), and cheaper in 32 of 51 states.
Side-by-side insurance estimate
| Coverage | Kia K5 | Chevrolet Malibu | Difference |
|---|---|---|---|
| State minimum | $760 | $920 | −$160 |
| Standard (100/300/100) | $1,100 | $1,335 | −$235 |
| Full coverage | $2,005 | $2,055 | −$50 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = K5 minus Malibu.
Why one costs more to insure
| Factor | Kia K5 | Chevrolet Malibu |
|---|---|---|
| Segment | Midsize car | Midsize car |
| Powertrains | Gasoline | Gasoline, Hybrid, Flex-fuel |
| HLDI collision (100 = avg) | 144 | 124 |
| HLDI comprehensive | 116 | 98 |
| HLDI property damage liability | 125 | 149 |
| HLDI bodily injury liability | 155 | 219 |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 3 | 3 |
Collision losses are the biggest swing factor: the Kia K5 has 20 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Chevrolet Malibu.
K5 vs Malibu insurance by state
By driver profile (full coverage)
| Driver | K5 | Malibu |
|---|---|---|
| Teen driver (18, own policy) | $5,515 | $5,650 |
| Young adult (22) | $3,210 | $3,285 |
| Adult in their 30s | $2,005 | $2,055 |
| Adult in their 50s | $1,845 | $1,890 |
| Senior (72) | $2,245 | $2,300 |
| 30s, one at-fault accident | $2,910 | $2,980 |
| 30s, DUI on record | $3,710 | $3,800 |
More comparisons
Frequently asked questions
Is the Kia K5 or the Chevrolet Malibu cheaper to insure?
By our estimate the Kia K5 is cheaper, by about $50 a year for full coverage ($2,005 vs. $2,055) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Kia K5 and Chevrolet Malibu?
Mostly because of insurance-loss history: HLDI collision indices of 144 vs. 124 and comprehensive indices of 116 vs. 98 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.