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Kia K5 Insurance Cost

The Kia K5 is a mid-size sedan with an average insurance cost of $1,520/yr. It carries a IIHS Top Safety Pick safety rating and medium theft risk. See how costs break down by year below.

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$1,520/yr

Avg. Annual Insurance

IIHS Top Safety Pick

Safety Rating

Medium

Theft Risk

Mid-size Sedan

Body Type

About Kia K5 Insurance

The Kia K5 is a popular mid-size sedan that averages $1,520/yr in annual insurance premiums. This places it below the national average of approximately $1,770 per year.

With a IIHS Top Safety Pick safety rating, the K5 is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The medium theft risk also has a moderate impact on comprehensive coverage costs.

Insurance costs vary by model year — newer K5s (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.

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