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.
Quote My K5$1,520/yr
Avg. Annual Insurance
IIHS Top Safety Pick
Safety Rating
Medium
Theft Risk
Mid-size Sedan
Body Type
Insurance Cost by Year — Kia K5
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.
Frequently Asked Questions
How much does Kia K5 insurance cost?
The average insurance cost for a Kia K5 is $1,520/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the Kia K5 expensive to insure?
Compared to the national average of about $1,770/yr, the Kia K5 at $1,520/yr is below average in insurance cost. As a mid-size sedan, it falls within the typical range for its class.
What is the Kia K5's safety rating?
The Kia K5 has a IIHS Top Safety Pick safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the Kia K5 a theft target?
The Kia K5 has a medium theft risk rating. Moderate theft risk means comprehensive coverage is reasonably priced. Anti-theft devices may still qualify you for discounts.
How can I get cheap Kia K5 insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
Get Your Kia K5 Insurance Quote
Your actual rate depends on your specific K5, your driving history, where you live, and the coverage you choose. Compare quotes from 40+ carriers in minutes.
Compare K5 Insurance Rates