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Jerry Data & Research
Cheapest 2021 Kia K5 Car Insurance (Apr 2024)
Cheapest 2021 Kia K5 Car Insurance (Apr 2024)
Shop and compare top insurance providers like Progressive, GEICO, State Farm (and more!) to find the cheapest free quotes for Kia insurance.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How much does car insurance cost for a 2021 Kia K5 ?
- Compare the cheapest 2021 Kia K5 car insurance quotes
- The best car insurance companies for 2021 Kia K5 owners
- How expensive is 2021 Kia K5 insurance compared to other years?
- Are 2021 Kia K5s expensive to insure?
- Methodology
- Meet our experts
Load full table of contents
How much does car insurance cost for a 2021 Kia K5 ?
It costs an annual average of $1,229 for state minimum liability insurance on a 2021 Kia K5. Compared to models in a similar price range, it costs slightly less than the national average to insure a 2021 Kia K5, but
car insurance
ultimately boils down to several common factors like car make, model, trim, safety features, and a driver’s profile.To find an accurate estimate, use
Jerry
to compare auto insurance quotes from dozens of trusted providers.Compare the cheapest 2021 Kia K5 car insurance quotes
Drivers turn to Jerry every month to find the best auto insurance rates, and the average app user saves about $2,250 each year on their premium. Below are some of the cheapest quotes Jerry found for 2021 Kia K5 motorists.
| Date | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
April 30, 2024 | Bristol West | $107 | Victor, 29 | • State Minimum Liability | |
April 28, 2024 | Progressive | $235 | Francisco, 26 | • State Minimum Liability • Comp / Collision | |
April 25, 2024 | Allstate | $305 | Jackson, 29 | • 50,000/100,000 Liability • Comp / Collision | |
April 12, 2024 | Nationwide | $148 | Evelyn, 29 | • State Minimum Liability • Comp / Collision | |
April 11, 2024 | Travelers | $321 | Josephine, 24 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 30, 2024The best car insurance companies for 2021 Kia K5 owners
Insurance premiums are calculated
based on a wide range of factors, meaning one insurance provider won’t offer the best rate for every driver out there. However, Jerry conducted the largest insurance shopping survey in the nation to help people compare insurers—not just for the best price, but for customer satisfaction as well.Let’s see how 2021 Kia K5 drivers rated different insurance companies.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average 2021 Kia K5 insurance costs
The average cost of state minimum car insurance for a 2021 Kia K5 is $1,229 every year, or $3,143 per year for full coverage insurance.
Insurance Coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $102 | $1,229 |
Full coverage | $262 | $3,143 |
State minimum coverage
is simply law-mandated insurance requirements in any given state. It often includes some kind of liability insurance and in some states, may require motorists to carry uninsured/underinsured motorist coverage
and/or personal injury protection
. Full coverage
, on the other hand, consists of additional protection in the form of collision coverage
and comprehensive coverage
. Though neither are required by law, they’re both a good idea as they offer protection against severe weather, natural disasters, vandalism, and theft. They also may be requested by insurance companies if you lease your vehicle.Compare insurance information for other Kias
2021 Kia K5 insurance costs by trim level
Upper trims tend to come with a higher price tag for insurance—the reason being that upper trims often include more advanced technology or luxury features, either of which can raise the vehicle’s MSRP, it’s repair costs, and the cost of your premium.
| Car Model & Trim | Average full coverage insurance cost | Average minimum coverage insurance cost |
|---|---|---|
2021 EX | $226 | $111 |
2021 GT Line | $211 | $149 |
2021 LX | $207 | $100 |
2021 LXS | $256 | $146 |
How expensive is 2021 Kia K5 insurance compared to other years?
When it comes down to it, newer Kia models are often more expensive to insure than an older vehicle model. New models come with advanced features that are more expensive to repair or replace, which can increase rates, but the advanced technology also means newer models come with better safety features, which could balance out the cost.
Here’s how a 2021 Kia K5 model fares against the average cost of car insurance for other model years.
| Car | Minimum Coverage | Full Coverage |
|---|---|---|
2021 Kia K5 | $139 | $224 |
2022 Kia K5 | $123 | $214 |
2023 Kia K5 | $92 | $238 |
Compare car insurance by car year
Are 2021 Kia K5s expensive to insure?
Here’s how much full coverage and state minimum liability coverage costs for a 2021 Kia K5 compared to similar models.
| Model | Avg. Minimal Coverage Insurance Cost | Avg. Full Coverage Insurance Cost |
|---|---|---|
2021 Hyundai Venue | $90 | $184 |
2021 Subaru Forester | $94 | $139 |
2021 Mazda CX-30 | $94 | $159 |
2021 Kia K5 | $139 | $224 |
2021 Mitsubishi Outlander | $146 | $242 |
Overall, the 2021 Kia K5’s safety features stand out for their top marks with the NHTSA. Let’s take a look at the full breakdown.
| Rating Type | Rating |
|---|---|
Passenger's | |
Overall Front | |
Overall Side | |
Overall Rollover Rating | |
Overall | |
Side - Pole | |
Side Barrier Rating Driver | |
Side Barrier Rating Passenger Rear Seat | |
Side - Barrier | |
Side - Pole Barrier combined (FRONT) | |
Side - Pole Barrier combined (REAR) |
What other factors affect 2021 Kia K5 insurance rates?
When providers decide your rates, here are some of the common factors they focus on:
- Vehicle type. If you drive a luxury, sports, or high-performance vehicle, your insurance will most likely be on the higher end.
- Driver age. Seniors over the age of 70 and teenage drivers tend to pay the most for insurance due to their increased risk of accident or error on the road.
- Driving record. Your driving history will always play a role in how much you pay for insurance. If you have any claims or recent violations, don’t expect rates to come cheap.
- Your vehicle’s location. If you live or store your vehicle in an area that’s prone to dangerous weather, vandalism, theft, or car accidents, insurance rates will typically be higher.
- Credit score. Drivers with good credit have historically paid less for insurance over someone with a poor credit rating.
2021 Kia K5 insurance costs for young drivers
Oftentimes, insurance carriers see
teen drivers
as more of a risk on the road due to their inexperience. Because of this, car insurance rates are typically through the roof for younger motorists until they can establish themselves as safe drivers with clean records. 
Winifred (22 years old)
$245
per month
Randall (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Yaphank, NY$322
per month
Roxie (24 years old)
$321
per month
2021 Kia K5 insurance costs for senior drivers
Compared to young drivers, seniors tend to pay the lowest insurance rates thanks to their know-how on the road. It’s only after seniors hit the age of 70 that they need to worry about the pendulum swinging back to high rates—the reason being that senior drivers at this age are more prone to increased driver error or a greater likelihood of serious injuries in a crash.
2021 Kia K5 insurance cost for drivers with driving violations
Speeding tickets, DUIs, driving without insurance, and at-fault accidents are just some of the violations that earn you higher premium costs.
The table below compares quotes for 2021 Kia K5 drivers with a range of violations in their past.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Defective Equipment | Progressive | $114 | Mitchell, 28 New London, NC | • 50,000/100,000 Liability • Comp / Collision | |
Failure to Obey Signal | Allstate | $95 | Lenora, 31 | • State Minimum Liability | |
Cell Phone | Safeco | $135 | Ian, 61 | • 50,000/100,000 Liability • Comp / Collision | |
Careless Driving | Gainsco | $289 | Bettie, 24 | • State Minimum Liability • Comp / Collision | |
Driving on Sus. License | Bristol West | $251 | Lina, 33 Somers Point, NJ | • 25,000/50,000 Liability | |
Failure to Yield | Nationwide | $161 | Paul, 28 | • 50,000/100,000 Liability • Comp / Collision | |
Improper Passing | Progressive | $148 | Nathaniel, 37 | • State Minimum Liability • Comp / Collision |
Last Updated Apr 27, 2024How can I lower the cost of insurance for my 2021 Kia K5?
Smart shopping strategies
and discounts
can help lower the average cost of insurance for a 2021 Kia K5. Here’s how:- Compare quotes. To find the best rates for you, it’s a good idea to compare quotes from at least three different providers.
- Invest in a broker.Car insurance brokerswork to help find you the best coverage without any upselling or pushy tactics into more expensive coverage.
- Bundling. When youbundleyour home or renters insurance with an auto insurance policy, chances are you’ll see a discount from your insurance provider.
- Look into discounts. Most insurance companies have a plethora of discounts available—from young drivers with good grades, installing telematics, or even buying a new car; providers reward policyholders in many different ways.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
