Best Kia K5 Auto Insurance in 2024 (Top 10 Companies Ranked)
The best Kia K5 auto insurance is offered by State Farm, Geico, and Allstate, with rates starting at just $40 per month. These companies excel in providing affordable options and comprehensive coverage. To find the best deal and coverage options for your Kia K5 insurance cost, compare their offers.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Jul 26, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The best Kia K5 auto insurance providers are State Farm, Geico, and Allstate, with rates starting at $40 per month. State Farm is the top pick for insurance for Kia K5, offering excellent rates and coverage. Compare quotes to find the best option.
The best way to get affordable Kia K5 auto insurance is to shop around and compare. Before you do that, take a look at the details we’ve gathered on what affects Kia auto insurance for a K5.
Our Top 10 Company Picks: Best Kia K5 Auto Insurance
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 12% B Many Discounts State Farm
#2 10% A++ Cheap Rates Geico
#3 15% A+ Add-on Coverages Allstate
#4 18% A++ Military Savings USAA
#5 17% A+ Online Convenience Progressive
#6 11% A++ Accident Forgiveness Travelers
#7 9% A Local Agents AAA
#8 14% A Online App Farmers
#9 19% A Customizable Polices Liberty Mutual
#10 13% A+ Usage Discount Nationwide
You can also compare Kia K5 auto insurance rates to the average cost of insurance for competitors like Chevrolet Malibu and Lexus GS 350. Get fast and cheap auto insurance coverage today with our quote comparison tool above.
- State Farm offers Kia K5 coverage from $40 per month
- Discover top coverage options for Kia K5 insurance
- Rates vary based on driving record, location, and vehicle trim
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#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates: As mentioned in our State Farm auto insurance review, State Farm offers competitive rates for Kia K5 insurance, with an average cost of $123. This makes it a cost-effective option for many Kia K5 owners seeking comprehensive coverage without breaking the bank.
- Extensive Local Agent Network: State Farm boasts a large network of local agents, providing Kia K5 drivers with personalized service and support. This can be particularly beneficial for those who prefer face-to-face interactions for their insurance needs.
- Numerous Discounts Available: State Farm offers various discounts that can help Kia K5 owners save even more on their insurance premiums, such as safe driver discounts, multi-policy discounts, and discounts for safety features.
Cons
- Mixed Reviews on Claims Handling: Some Kia K5 owners have reported mixed experiences with State Farm’s claims process, indicating inconsistencies in the speed and efficiency of claim resolutions.
- Higher Premiums for High-Risk Drivers: State Farm may charge significantly higher premiums for Kia K5 drivers with a less-than-perfect driving record, making it a less affordable option for high-risk individuals.
#2 – Geico: Best for Cheap Rates
Pros
- Low Rates: As outlined in our Geico auto insurance review, Geico offers relatively low insurance rates for Kia K5 owners, with an average cost of $152, making it an attractive option for budget-conscious drivers seeking affordable coverage.
- Strong Digital Tools: Geico’s user-friendly website and mobile app provide Kia K5 owners with convenient access to policy management, claims filing, and customer support, enhancing the overall customer experience.
- Good for Military Members: Geico offers special discounts and benefits for military members, which can be particularly advantageous for Kia K5 owners who are active-duty or retired military personnel.
Cons
- Limited Local Agent Support: Unlike some competitors, Geico has fewer local agents available, which may be a drawback for Kia K5 drivers who prefer in-person service and personalized support.
- Mixed Customer Service Reviews: Some Kia K5 owners have reported varying levels of satisfaction with Geico’s customer service, indicating that experiences can differ depending on the situation and representative.
#3 – Allstate: Best for Add-on Coverages
Pros
- Extensive Coverage Options: Allstate provides a wide range of coverage options for Kia K5 owners, allowing them to customize their policies to suit their specific needs and preferences.
- Strong Local Agent Network: With a robust network of local agents, Allstate offers Kia K5 drivers personalized service and support, helping them navigate their insurance policies and claims processes more effectively.
- Numerous Discounts: Allstate offers various discounts that can help Kia K5 owners reduce their insurance costs, such as safe driver discounts, multi-policy discounts, and discounts for installing safety features in their vehicles. Learn more about their discounts in our Allstate auto insurance review.
Cons
- Higher Average Premiums: Allstate’s average cost for Kia K5 insurance is $184, which is higher than some competitors, making it less attractive for budget-conscious drivers seeking affordable coverage.
- Mixed Reviews on Claims Handling: Some Kia K5 owners have reported inconsistent experiences with Allstate’s claims process, citing issues with the speed and efficiency of claim resolutions.
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#4 – USAA: Best for Military Savings
Pros
- Lowest Rates: USAA offers the lowest average insurance rates for Kia K5 owners at $95, making it an excellent option for eligible military members and their families seeking affordable coverage.
- Exceptional Customer Service: As outlined in USAA auto insurance review, the company is renowned for its high customer satisfaction ratings, providing Kia K5 drivers with reliable and responsive support throughout their insurance experience.
- Numerous Discounts for Military Members: USAA offers various discounts tailored to military members and their families, including safe driver discounts, multi-policy discounts, and discounts for garaging the Kia K5 on a military base.
Cons
- Eligibility Restrictions: USAA is only available to military members, veterans, and their families, excluding a significant portion of Kia K5 owners who do not meet these eligibility criteria.
- Limited Physical Locations: USAA has fewer physical branches compared to other insurers, which might be a drawback for Kia K5 drivers who prefer in-person service and support.
#5 – Progressive: Best for Online Convenience
Pros
- Competitive Rates: As mentioned in Progressive auto insurance review, Progressive offers competitive insurance rates for Kia K5 owners, with an average cost of $166, making it a viable option for those seeking affordable coverage.
- Strong Online Tools and Mobile App: Progressive’s digital tools and mobile app provide Kia K5 drivers with convenient access to policy management, claims filing, and customer support, enhancing the overall user experience.
- Snapshot Program Rewards Safe Drivers: Progressive’s Snapshot program allows Kia K5 owners to potentially lower their premiums by demonstrating safe driving habits, offering personalized discounts based on driving behavior.
Cons
- Average Customer Service Reviews: Some Kia K5 owners have reported mixed experiences with Progressive’s customer service, indicating that service quality can vary depending on the representative and situation.
- Potential Rate Increases After Claims: Progressive customers, including Kia K5 owners, have reported instances of rate increases following claims, which could lead to higher long-term costs.
#6 – Travelers: Best for Accident Forgiveness
Pros
- Competitive Rates: As outlined in our Travelers auto insurance review, Travelers offers competitive insurance rates for Kia K5 owners, with an average cost of $150, making it an attractive option for those seeking affordable coverage.
- Strong Financial Stability: Travelers has a strong financial rating, ensuring that Kia K5 owners can rely on the company’s ability to pay out claims and provide long-term stability.
- Good Range of Coverage Options: Travelers provides a wide range of coverage options, allowing Kia K5 owners to customize their policies to meet their specific needs and preferences.
Cons
- Mixed Customer Service Reviews: Some Kia K5 owners have reported varying levels of satisfaction with Travelers’ customer service, indicating that experiences can differ based on the situation and representative.
- Limited Local Agent Network: Compared to some competitors, Travelers has a smaller network of local agents, which may be a drawback for Kia K5 drivers who prefer in-person service and support.
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#7 – AAA: Best for Local Agents
Pros
- Competitive Rates: AAA offers competitive insurance rates for Kia K5 owners, with an average cost of $161, making it a good option for those seeking affordable coverage.
- Additional Membership Benefits: AAA membership provides Kia K5 drivers with additional benefits, such as roadside assistance, travel discounts, and other perks, enhancing overall value.
- Strong Customer Service: AAA is known for its strong customer service, offering Kia K5 owners reliable and responsive support throughout their insurance experience. Learn more about their rates in our AAA auto insurance review.
Cons
- Limited Online Tools: AAA’s online tools and digital resources may not be as robust as some competitors, potentially causing inconvenience for tech-savvy Kia K5 owners who prefer managing their policies online.
- Higher Premiums for High-Risk Drivers: AAA may charge higher premiums for Kia K5 drivers with a less-than-perfect driving record, making it a less affordable option for high-risk individuals.
#8 – Farmers: Best for Online App
Pros
- Extensive Coverage Options: Farmers offers a wide range of coverage options for Kia K5 owners, allowing them to customize their policies to suit their specific needs and preferences.
- Strong Local Agent Network: With a robust network of local agents, Farmers provides Kia K5 drivers with personalized service and support, helping them navigate their insurance policies and claims processes more effectively.
- Good Customer Service: Farmers is known for its good customer service, offering Kia K5 owners reliable and responsive support throughout their insurance experience. Check out this page Farmers auto insurance review to know more details.
Cons
- Potentially Aggressive Sales Tactics: There have been reports of aggressive sales tactics by Farmers agents, which might deter some Kia K5 owners who prefer a more straightforward and pressure-free purchasing experience.
- Mixed Reviews on Claims Handling: Some Kia K5 owners have reported inconsistent experiences with Farmers’ claims process, citing issues with the speed and efficiency of claim resolutions.
#9 – Liberty Mutual: Best for Customizable Polices
Pros
- Unique Coverage Options: Liberty Mutual offers unique coverage options for Kia K5 owners, such as new car replacement and better car replacement, providing additional peace of mind.
- Strong Financial Stability: As mentioned in our Liberty Mutual auto insurance review, Liberty Mutual has a strong financial rating, ensuring that Kia K5 owners can rely on the company’s ability to pay out claims and provide long-term stability.
- Good Range of Discounts: Liberty Mutual offers various discounts that can help Kia K5 owners reduce their insurance costs, such as safe driver discounts, multi-policy discounts, and discounts for installing safety features in their vehicles.
Cons
- Higher Average Premiums: Liberty Mutual’s average cost for Kia K5 insurance is $185, which is higher than some competitors, making it less attractive for budget-conscious drivers seeking affordable coverage.
- Mixed Customer Service Reviews: Some Kia K5 owners have reported varying levels of satisfaction with Liberty Mutual’s customer service, indicating that experiences can differ based on the situation and representative.
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#10 – Nationwide: Best for Usage Discount
Pros
- Competitive Rates: Nationwide offers competitive insurance rates for Kia K5 owners, with an average cost of $144, making it an attractive option for those seeking affordable coverage. For more information, read our Nationwide auto insurance review.
- Strong Digital Tools: Nationwide’s user-friendly website and mobile app provide Kia K5 owners with convenient access to policy management, claims filing, and customer support, enhancing the overall customer experience.
- Good Range of Discounts: Nationwide offers various discounts that can help Kia K5 owners reduce their insurance costs, such as safe driver discounts, multi-policy discounts, and discounts for installing safety features in their vehicles.
Cons
- Mixed Customer Service Reviews: Some Kia K5 owners have reported varying levels of satisfaction with Nationwide’s customer service, indicating that experiences can differ based on the situation and representative.
- Limited Local Agent Network: Compared to some competitors, Nationwide has a smaller network of local agents, which may be a drawback for Kia K5 drivers who prefer in-person service and support.
Comparing Free Kia K5 Insurance Quotes
The table below compares monthly rates for minimum and full coverage auto insurance for a Kia K5 from various providers.
Kia K5 Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $52 $161
Allstate $59 $184
Farmers $81 $253
Geico $48 $152
Liberty Mutual $59 $185
Nationwide $45 $144
Progressive $55 $166
State Farm $40 $123
Travelers $46 $150
USAA $30 $95
Comparing insurance rates is crucial for finding the best deal for your Kia K5. Remember, factors like your location and driving history will significantly impact your premiums.
Why Vehicles Like Kia K5 Expensive to Insure
Take a look at how insurance rates for similar models to the Kia K5 look. These insurance rates for other sedans like the Lexus GS 350, Chevrolet Malibu, and Mitsubishi Diamante give you a good idea of what to expect.
By comparing rates, you can ensure you’re getting the best deal for your Kia K5. Factors such as location and driving history play a significant role in determining your premiums.
Insurance rates for vehicles similar to the Kia K5 can vary widely based on the model. Comparing these rates can help you understand where the Kia K5 stands in terms of affordability.
Read More: Cheap Nissan Auto Insurance
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Factors Impacting the Cost of Kia K5 Insurance
The cost of insurance for the Kia K5 is influenced by several factors, including the trim and model you choose. Higher trims with advanced technology and performance features typically lead to higher insurance rates due to increased repair costs and replacement values.
Your location also impacts your premiums, with urban areas generally resulting in higher rates due to increased traffic and crime. Additionally, your driving history plays a crucial role; a clean record can lower rates, while a history of accidents or violations can increase them. Other important factors include your age and gender, as younger and male drivers often face higher premiums.
The Kia K5’s safety features can help reduce costs, as vehicles equipped with advanced technologies are seen as lower risk.Jeff Root LICENSED INSURANCE AGENT
Usage patterns, such as the frequency and purpose of driving, along with insurance coverage levels and your credit history, also affect your rates. Understanding these variables can help you make informed decisions and potentially lower your insurance costs.
Read More: How long does an accident stay on your record?
Average MSRP of the Kia K5
The average cost to buy a new Kia K5 is $23,690. This cost will be affected by the trim level of your Kia K5 and any options you might choose to add. For those seeking to save on insurance, exploring options for cheap Kia auto insurance can help reduce overall expenses.
Ways to Save on Kia K5 Insurance
Looking to cut costs on your Kia K5 insurance? Implementing simple changes and taking advantage of available discounts can significantly lower your premiums.
- Add a more experienced driver to your Kia K5 policy.
- Install an aftermarket anti-theft device for your Kia K5.
- Buy your Kia K5 with cash, or get a shorter-term loan.
- Compare Kia K5 quotes online.
- If you’re a young driver living at home, add yourself to your parents’ plan.
- Get a safety features discounts for your Kia K5.
Here are some effective strategies to help you save on your Kia K5 insurance rates. For more information, read our article titled “When should I add my child to my auto insurance?”
Discover the variety of car insurance discounts offered by top providers for Kia K5 to help you save on your premiums.
These discounts from top insurance providers for Kia K5 offer valuable opportunities for car owners to save money while maintaining comprehensive coverage and safety on the road.
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Top Kia K5 Insurance Companies
What are the best auto insurance companies for Kia K5 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia K5 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features found on the Kia K5.
Kia K5 Auto Insurance Providers by Market Share
| Rank | Insurance Company | Premiums Written | Market Share |
|---|---|---|---|
| #1 | State Farm | $66.1 million | 9% |
| #2 | Geico | $46.3 million | 6% |
| #3 | Progressive | $4.7 million | 5% |
| #4 | Allstate | $39.2 million | 5% |
| #5 | Liberty Mutual | $36.1 million | 5% |
| #6 | Travelers | $28.7 million | 4% |
| #7 | USAA | $24.6 million | 3% |
| #8 | Chubb | $24.1 million | 3% |
| #9 | Farmers | $20 million | 2% |
| #10 | Nationwide | $18.4 million | 2% |
The largest auto insurers dominate the market with significant shares, reflecting their extensive coverage options and customer base. Choosing one of these top companies can provide both reliability and comprehensive service.
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool below to instantly compare prices from various companies near you.
Frequently Asked Questions
Is auto insurance mandatory for a Kia K5?
Yes, auto insurance is mandatory for all vehicles, including the Kia K5. The specific insurance requirements may vary depending on your location and local regulations. It’s important to comply with the legal requirements and have the necessary insurance coverage for your Kia K5.
Read More: Are backup cameras required on new vehicles?
What types of coverage are available for Kia K5 auto insurance?
Kia K5 auto insurance typically offers a range of coverage options. These may include liability coverage (which is often required by law), collision coverage (for damages caused by collisions), comprehensive coverage (for non-collision-related damages like theft or vandalism), uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage.
Get the best auto insurance rates possible by entering your ZIP code below into our free comparison tool today.
How can I find affordable auto insurance for my Kia K5?
To find affordable auto insurance for your Kia K5, it’s recommended to shop around and obtain quotes from multiple insurance providers. Factors such as your driving record, age, location, and the coverage options you choose can affect the cost of insurance. Comparing quotes, considering available discounts, and maintaining a good driving record can help you find more affordable rates.
Are there any discounts available specifically for Kia K5 auto insurance?
While specific discounts can vary among insurance providers, many companies offer discounts that may apply to Kia K5 auto insurance. These could include discounts for safety features installed in the Kia K5, good driver discounts, multi-policy discounts (if you bundle your auto insurance with other policies), or loyalty discounts. It’s recommended to inquire about available discounts when obtaining insurance quotes.
Does the age of my Kia K5 affect insurance rates?
Yes, the age of your Kia K5 can affect insurance rates. Typically, newer Kia K5 models may have higher insurance premiums due to the cost of repairs or replacements. However, Kia K5 models known for their safety features or lower theft rates may help reduce insurance costs.
It’s advisable to consult with insurance providers to understand how the specific details of your vehicle can impact your rates. More info can be found in our article titled “How Vehicle Year Affects Auto Insurance Rates.”
Can I use my Kia K5 auto insurance when traveling abroad?
The coverage provided by your Kia K5 auto insurance may vary depending on your policy and the insurance company. Some policies offer coverage that extends to certain foreign countries, while others may require separate coverage or the purchase of additional insurance when traveling abroad.
It’s important to review your policy or contact your insurance provider to confirm the extent of coverage when traveling outside your home country.
What should I do if I need to file an auto insurance claim for my Kia K5?
If you need to file an auto insurance claim for your Kia K5, you should contact your insurance provider as soon as possible. They will guide you through the claims process and provide instructions on what information or documentation is required. Be prepared to provide details about the incident, such as the date, time, location, and any necessary supporting evidence, such as photographs or witness statements.
Is a Kia K5 considered a sports car for insurance?
No, the Kia K5 is not classified as a sports car for insurance purposes. It is considered a midsize sedan, which generally results in lower insurance rates compared to sports cars.
Read More: Which cars have the lowest auto insurance premiums?
How much is insurance for a Kia K5?
Insurance for a Kia K5 typically costs around $40 per month, but the exact amount can vary based on factors like your location, driving history, and the coverage options you choose.
Are Kia K5 expensive to insure?
The Kia K5 is generally not expensive to insure compared to other vehicles. Its insurance costs are relatively moderate, benefiting from its safety features and lower repair costs.
Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool below.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
