The four-door Kia K5 sedan is packed with comfortable features and driving capabilities. In 2025, this sharp-looking car received a 5-star safety rating from the National Highway Traffic Safety Administration (NHTSA).1 It also comes with Kia’s 10-year/100,000-mile warranty.
Kia rebranded the Optima as the K5 in 2021.2 While the K5 continues to offer style on a budget, it’s relatively expensive to insure compared to other vehicles in Kia’s lineup. Insuring a Kia K5 costs an average of $262 per month for full coverage and $139 per month for liability-only coverage.
Here’s what you should know about finding car insurance for your Kia K5.
Insurance companies consider multiple factors when calculating insurance premiums.3 While your vehicle’s age, safety features, and trim level influence your insurance costs, personal factors like your age and gender, driving record, ZIP code, and coverage types also play a role.
The table below shows average monthly Kia K5 insurance costs, with USAA, State Farm, and Allstate offering the cheapest Kia K5 insurance, on average.
The manufacturer’s suggested retail price (MSRP) for the 2025 Kia K5 ranges from $27,190 for the base model to $34,690. Full-coverage insurance averages $302 per month, while liability-only policies average $160.
In the table below, you can see insurers with the cheapest premiums for the 2025 K5.
The 2024 Kia K5’s MSRP ranged from $26,745 to $33,145, according to Kelley Blue Book.4
A full-coverage policy averages $269 per month, and liability-only coverage averages $143.
Companies with some of the cheapest rates appear in the table below.
The 2023 Kia K5 had an MSRP ranging from $26,415 to $32,815. Insurance for this model year averages $270 per month for full coverage and $144 for a liability-only policy.
The data in the table below includes the insurers with the cheapest average rates for this model year.
The 2022 Kia K5’s MSRP ranged from $24,885 to $32,285. Full coverage for this model year averages $246 per month, and liability-only coverage averages $131.
The following table shows the average insurance costs for the 2022 K5.
Kia rebranded the Optima as the K5 starting with the 2021 model year. The vehicle’s original MSRP ranged from $24,585 to $31,585. Insuring this model year costs an average of $253 per month for full coverage and $135 for a liability-only policy.
The table below highlights average full-coverage and liability-only insurance costs by company.
The 2020 model year was the last one for the Kia Optima before it was rebranded as the K5. The 2020 Kia Optima’s MSRP ranged from $24,115 to $32,915.
The following table shows average insurance prices by company for the 2020 Optima.
The 2019 Kia Optima’s MSRP ranged from $23,915 to $32,915.
See the table below for average full-coverage and liability-only rates by insurance company.
The 2018 Kia Optima’s MSRP ranged from $23,495 to $31,495.
The table below shows the insurers with the cheapest monthly rates for this model year.
The 2017 Kia Optima’s MSRP ranged from $23,095 to $36,985.
See below for average insurance prices from some of the cheapest companies for the 2017 Kia Optima.
The 2016 Kia Optima had a starting MSRP of $22,990, with pricing ranging to $36,890.
The table below highlights the companies with the cheapest rates for this model year.
Where you live affects your premium significantly. Insurers consider your area’s crime and accident rates and even whether you park your car outside or in a garage. Your claims history and your car’s make and model also affect your insurance rate.
The map below shows the average costs of insuring a Kia by state. Alaska and Hawaii are not included due to lack of data.
Buying enough coverage for your Kia K5 can protect your wallet from an accident’s financial fallout. Although most states require liability insurance at a minimum, experts often recommend buying more than the state-required minimum to protect yourself financially.5
If you finance your K5, your lender will likely require full coverage. Even if you own your car outright, full coverage is worth considering, especially if you can’t afford to replace your vehicle if it’s totaled.
As you explore your options, consider the following coverage types:
For additional information about Kia K5 insurance, see the answers to some frequently asked questions below.
USAA, State Farm, and Allstate offer the most affordable car insurance for the Kia K5, Insurify data shows.
Yes. The Kia K5 is somewhat expensive to insure. On average, full coverage costs $262 per month, and liability-only coverage costs $139. That’s higher than the national average monthly rate of $182 for full coverage and $103 for liability-only coverage.
Many Kias, especially older models, lack advanced theft-deterrent features, making them frequent targets for theft. The rise in theft claims may have contributed to higher insurance rates.
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