Kia K900 Insurance Rates
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Estimated insurance prices for a Kia K900 are $978 every 12 months for full coverage insurance. Comprehensive costs an estimated $172, collision costs $206, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $2,092. Teen drivers pay the most at $3,908 a year or more.
Average premium for full coverage: $978
Premium estimates broken down by type of coverage:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different K900 trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Kia K900 go from the cheapest price of $496 for a discount liability-only rate to a much higher rate of $2,092 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates how geographic area affects insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below illustrates estimated Kia K900 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $599
- Raising to $1,000 deductibles will save approximately $88 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $978
- Choosing more expensive low deductibles increases the price to $1,140
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,092 or more
- An auto insurance policy to insure a teen driver with full coverage can cost as much as $3,908
Insurance prices for a Kia K900 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Choosing high deductibles can reduce prices by up to $250 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $3,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $1,200 to $1,600 extra annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 41% to 137% more than average. View High Risk Driver Rates
Where you choose to live also has a big influence on Kia K900 insurance rates. A middle-age driver might find prices as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,320 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $884 | -$94 | -9.6% |
| Alaska | $752 | -$226 | -23.1% |
| Arizona | $814 | -$164 | -16.8% |
| Arkansas | $978 | -$0 | 0.0% |
| California | $1,114 | $136 | 13.9% |
| Colorado | $934 | -$44 | -4.5% |
| Connecticut | $1,006 | $28 | 2.9% |
| Delaware | $1,108 | $130 | 13.3% |
| Florida | $1,224 | $246 | 25.2% |
| Georgia | $902 | -$76 | -7.8% |
| Hawaii | $704 | -$274 | -28.0% |
| Idaho | $662 | -$316 | -32.3% |
| Illinois | $730 | -$248 | -25.4% |
| Indiana | $738 | -$240 | -24.5% |
| Iowa | $660 | -$318 | -32.5% |
| Kansas | $930 | -$48 | -4.9% |
| Kentucky | $1,336 | $358 | 36.6% |
| Louisiana | $1,450 | $472 | 48.3% |
| Maine | $604 | -$374 | -38.2% |
| Maryland | $808 | -$170 | -17.4% |
| Massachusetts | $784 | -$194 | -19.8% |
| Michigan | $1,700 | $722 | 73.8% |
| Minnesota | $818 | -$160 | -16.4% |
| Mississippi | $1,172 | $194 | 19.8% |
| Missouri | $866 | -$112 | -11.5% |
| Montana | $1,052 | $74 | 7.6% |
| Nebraska | $772 | -$206 | -21.1% |
| Nevada | $1,174 | $196 | 20.0% |
| New Hampshire | $704 | -$274 | -28.0% |
| New Jersey | $1,094 | $116 | 11.9% |
| New Mexico | $866 | -$112 | -11.5% |
| New York | $1,030 | $52 | 5.3% |
| North Carolina | $562 | -$416 | -42.5% |
| North Dakota | $800 | -$178 | -18.2% |
| Ohio | $676 | -$302 | -30.9% |
| Oklahoma | $1,006 | $28 | 2.9% |
| Oregon | $896 | -$82 | -8.4% |
| Pennsylvania | $934 | -$44 | -4.5% |
| Rhode Island | $1,304 | $326 | 33.3% |
| South Carolina | $886 | -$92 | -9.4% |
| South Dakota | $826 | -$152 | -15.5% |
| Tennessee | $858 | -$120 | -12.3% |
| Texas | $1,178 | $200 | 20.4% |
| Utah | $724 | -$254 | -26.0% |
| Vermont | $670 | -$308 | -31.5% |
| Virginia | $586 | -$392 | -40.1% |
| Washington | $758 | -$220 | -22.5% |
| West Virginia | $898 | -$80 | -8.2% |
| Wisconsin | $676 | -$302 | -30.9% |
| Wyoming | $872 | -$106 | -10.8% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, so the prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|
Rates are averaged for all Kia K900 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Affordable Kia K900 Insurance
Finding better rates on Kia K900 insurance consists of being safe and accident-free, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates at every other renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a brief review of the concepts that were presented in the illustrations above.
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,110 more annually than a low-risk driver
- Youthful drivers are charged the highest prices, with premiums being up to $326 per month if they have full coverage
- It is possible to save approximately $110 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $250 each year
- It is possible to save approximately $110 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,908 |
| 20 | $2,224 |
| 30 | $996 |
| 40 | $978 |
| 50 | $898 |
| 60 | $878 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,140 |
| $250 | $1,066 |
| $500 | $978 |
| $1,000 | $890 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $978 |
| 50/100 | $1,066 |
| 100/300 | $1,177 |
| 250/500 | $1,464 |
| 100 CSL | $1,111 |
| 300 CSL | $1,354 |
| 500 CSL | $1,531 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,496 |
| 20 | $3,536 |
| 30 | $2,110 |
| 40 | $2,092 |
| 50 | $2,000 |
| 60 | $1,980 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $49 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $35 |
| Advance Quote | $42 |
| Online Quote | $66 |
| Total Discounts | $379 |
Discounts are estimated and may not be available from every company or in every state.
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