Nissan Altima vs Kia K5 Insurance Cost
The Nissan Altima is cheaper to insure by about $10 a year for full coverage by our estimate ($1,995 vs. $2,005), and cheaper in 38 of 51 states.
Side-by-side insurance estimate
| Coverage | Nissan Altima | Kia K5 | Difference |
|---|---|---|---|
| State minimum | $810 | $760 | +$50 |
| Standard (100/300/100) | $1,175 | $1,100 | +$75 |
| Full coverage | $1,995 | $2,005 | −$10 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Altima minus K5.
Why one costs more to insure
| Factor | Nissan Altima | Kia K5 |
|---|---|---|
| Segment | Midsize car | Midsize car |
| Powertrains | Gasoline, Hybrid | Gasoline |
| HLDI collision (100 = avg) | 135 | 144 |
| HLDI comprehensive | 106 | 116 |
| HLDI property damage liability | 134 | 125 |
| HLDI bodily injury liability | 174 | 155 |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | #10 | Not in top 10 |
| Recalls (latest 3 model years) | 3 | 3 |
Collision losses are the biggest swing factor: the Kia K5 has 9 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Nissan Altima. The Nissan Altima appears on the NICB most-stolen list, adding to comprehensive costs.
Altima vs K5 insurance by state
By driver profile (full coverage)
| Driver | Altima | K5 |
|---|---|---|
| Teen driver (18, own policy) | $5,485 | $5,515 |
| Young adult (22) | $3,190 | $3,210 |
| Adult in their 30s | $1,995 | $2,005 |
| Adult in their 50s | $1,835 | $1,845 |
| Senior (72) | $2,235 | $2,245 |
| 30s, one at-fault accident | $2,895 | $2,910 |
| 30s, DUI on record | $3,690 | $3,710 |
More comparisons
Frequently asked questions
Is the Nissan Altima or the Kia K5 cheaper to insure?
By our estimate the Nissan Altima is cheaper, by about $10 a year for full coverage ($1,995 vs. $2,005) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Nissan Altima and Kia K5?
Mostly because of insurance-loss history: HLDI collision indices of 135 vs. 144 and comprehensive indices of 106 vs. 116 (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.