Kia K5 Insurance Cost

Full coverage for a Kia K5 costs about $2,005 a year ($167/month) by our estimate — ▲ +26% versus the average vehicle, ranking 248th cheapest of 310 current models.

Kia K5 exterior (photo from Wikimedia Commons) — Photo: Elise240SX, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Kia K5 insurance cost at a glance

Full coverage

$2,005

$167/mo · $1,645–$2,365

Minimum liability

$760

$63/mo

Segment

Midsize car

Gasoline

HLDI collision losses

144

Much worse than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2021–2027 model years of the Kia K5.

Estimated Kia K5 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$760	$63	$620–$895
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,100	$92	$900–$1,300
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$2,005	$167	$1,645–$2,365

What drives the cost of insuring a Kia K5

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Kia K5's results put our vehicle factor at 1.24× for liability, 1.37× for collision and 1.13× for comprehensive.

HLDI relative insurance losses — Kia K5 2WD/4WD (Midsize Four-door cars)
Coverage	Index	Rating	What it measures
Collision	144	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	116	Worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	125	Much worse than average	Damage this car does to other vehicles and property
Bodily injury liability	155	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	162	Much worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	193	Much worse than average	Injuries to occupants of this car (claim frequency)

Repair and parts costs: Midsize car — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 3 NHTSA recall campaigns and 63 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Kia K5 trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
K5	FWD	2.5L 4-cyl	29
K5	FWD	2.5L 4-cyl Turbo	27
K5 AWD	AWD	2.5L 4-cyl	27
K5 w/Stop-Start	FWD	2.5L 4-cyl	30

Kia K5 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	2.5L 4-cyl, 2.5L 4-cyl Turbo	AWD, FWD	27–30	$2,005
2026	2.5L 4-cyl, 2.5L 4-cyl Turbo	AWD, FWD	27–30	$1,965
2025	2.5L 4-cyl, 2.5L 4-cyl Turbo	AWD, FWD	27–30	$1,925
2024	1.6L 4-cyl Turbo, 2.5L 4-cyl Turbo	AWD, FWD	27–31	$1,885
2023	1.6L 4-cyl Turbo, 2.5L 4-cyl Turbo	AWD, FWD	27–31	$1,845
2022	1.6L 4-cyl Turbo, 2.5L 4-cyl Turbo	AWD, FWD	27–32	$1,800
2021	1.6L 4-cyl Turbo, 2.5L 4-cyl Turbo	AWD, FWD	27–32	$1,760

Kia K5 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the K5 page for that state.

State	Full coverage	Minimum	vs. national	K5 page
Alabama	$1,755	$595	−12%	K5 in AL
Alaska	$1,765	$770	−12%	K5 in AK
Arizona	$2,095	$815	+4%	K5 in AZ
Arkansas	$1,775	$555	−11%	K5 in AR
California	$1,990	$710	−1%	K5 in CA
Colorado	$2,260	$805	+13%	K5 in CO
Connecticut	$2,130	$880	+6%	K5 in CT
Delaware	$2,225	$990	+11%	K5 in DE
District of Columbia	$2,540	$915	+27%	K5 in DC
Florida	$2,835	$1,335	+41%	K5 in FL
Georgia	$2,470	$1,080	+23%	K5 in GA
Hawaii	$1,400	$535	−30%	K5 in HI
Idaho	$1,360	$495	−32%	K5 in ID
Illinois	$1,745	$615	−13%	K5 in IL
Indiana	$1,430	$500	−29%	K5 in IN
Iowa	$1,360	$380	−32%	K5 in IA
Kansas	$1,595	$500	−20%	K5 in KS
Kentucky	$1,680	$650	−16%	K5 in KY
Louisiana	$2,765	$980	+38%	K5 in LA
Maine	$1,285	$525	−36%	K5 in ME
Maryland	$2,250	$930	+12%	K5 in MD
Massachusetts	$1,980	$730	−1%	K5 in MA
Michigan	$2,195	$945	+9%	K5 in MI
Minnesota	$1,665	$580	−17%	K5 in MN
Mississippi	$1,915	$655	−4%	K5 in MS
Missouri	$1,815	$635	−9%	K5 in MO
Montana	$1,595	$485	−20%	K5 in MT
Nebraska	$1,600	$500	−20%	K5 in NE
Nevada	$2,290	$1,070	+14%	K5 in NV
New Hampshire	$1,435	$495	−28%	K5 in NH
New Jersey	$2,410	$1,155	+20%	K5 in NJ
New Mexico	$1,800	$640	−10%	K5 in NM
New York	$2,680	$1,150	+34%	K5 in NY
North Carolina	$1,510	$555	−25%	K5 in NC
North Dakota	$1,285	$340	−36%	K5 in ND
Ohio	$1,435	$500	−28%	K5 in OH
Oklahoma	$1,805	$585	−10%	K5 in OK
Oregon	$1,790	$775	−11%	K5 in OR
Pennsylvania	$1,760	$525	−12%	K5 in PA
Rhode Island	$2,420	$1,015	+21%	K5 in RI
South Carolina	$2,125	$905	+6%	K5 in SC
South Dakota	$1,520	$390	−24%	K5 in SD
Tennessee	$1,675	$560	−16%	K5 in TN
Texas	$2,370	$855	+18%	K5 in TX
Utah	$1,815	$805	−9%	K5 in UT
Vermont	$1,315	$395	−34%	K5 in VT
Virginia	$1,725	$775	−14%	K5 in VA
Washington	$1,745	$730	−13%	K5 in WA
West Virginia	$1,675	$540	−16%	K5 in WV
Wisconsin	$1,370	$460	−32%	K5 in WI
Wyoming	$1,555	$400	−22%	K5 in WY

Kia K5 insurance by driver profile

Estimated annual Kia K5 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$2,085	$3,025	$5,515	$460
Young adult (22)	$1,215	$1,760	$3,210	$268
Adult in their 30s	$760	$1,100	$2,005	$167
Adult in their 50s	$700	$1,010	$1,845	$154
Senior (72)	$850	$1,230	$2,245	$187
30s, one at-fault accident	$1,100	$1,595	$2,910	$243
30s, DUI on record	$1,405	$2,035	$3,710	$309

Kia K5 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Kia K5	$2,005	144	116	—
Tesla Model 3	$1,670	133	87	Compare
Hyundai Sonata	$1,890	136	116	Compare
Nissan Altima	$1,995	135	106	Compare

Estimate Kia K5 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Kia models

Carnival $1,470/yr
EV3 $1,545/yr
K4 $1,545/yr
Niro $1,725/yr
Seltos $1,550/yr
Sorento $1,580/yr
Sportage $1,615/yr
Telluride $1,400/yr
EV6 $1,680/yr
EV9 $1,515/yr
Soul $1,595/yr
Forte $1,955/yr
Rio $1,455/yr
Stinger $1,445/yr
Sedona $1,255/yr
Cadenza $1,400/yr
K900 $1,400/yr
Optima $1,390/yr
Rondo $1,135/yr
Borrego $1,190/yr
Amanti $1,260/yr
Spectra $1,255/yr

All Kia insurance costs →

Frequently asked questions

How much is insurance for a Kia K5?

We estimate about $2,005 a year ($167 a month) for full coverage and $760 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 26% more than the average vehicle.

Is the Kia K5 expensive to insure?

HLDI insurance-loss data rates it at 144 for collision and 116 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Kia K5?

Maine has the lowest estimate (about $1,285 a year for full coverage) and Florida the highest (about $2,835).

What is the Kia K5's NHTSA safety rating?

The 2026 Kia K5 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Kia K5 cheaper to insure than the Tesla Model 3?

By our estimate the Kia K5 costs about $2,005 a year versus $1,670 for the Tesla Model 3, making the Tesla Model 3 cheaper to insure.

How much is Kia K5 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,515 a year at national-average rates by our estimate.

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.

Sources used on this page