Kia K900 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 5, 2024
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The average auto insurance rates for a Kia K900 are $1,400 annually with full coverage. Comprehensive insurance costs an estimated $298 each year, collision costs $484, and liability insurance is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing $3,024 or more. 16-year-old drivers cost the most to insure at $5,268 a year or more.
Average premium for full coverage: $1,400
Policy rates broken down by type of insurance:
Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and K900 models.
Price Range Variability
For a driver in their 40's, Kia K900 insurance rates go from as cheap as $510 for basic liability insurance to a high rate of $3,024 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities.
The graphic below illustrates how location helps determine insurance prices.
The examples above demonstrate why all drivers should get quotes for a targeted area and their own personal driving habits, rather than relying on rate 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.
Rate Comparisons
The chart below details estimated Kia K900 insurance rates for other coverage scenarios.
- The best full coverage rate is $812
- Choosing higher $1,000 deductibles can save approximately $178 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,400
- Buying low deductibles for comp and collision coverage costs an additional $344 a year
- High-risk insureds with multiple tickets or accidents could pay up to $3,024 or more
- Policy cost with full coverage for a teen driver can cost as much as $5,268 each year
Insurance rates for a Kia K900 also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $5,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $530 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Kia K900 insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or at least $1,890 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$132 | -9.4% |
| Alaska | $1,074 | -$326 | -23.3% |
| Arizona | $1,164 | -$236 | -16.9% |
| Arkansas | $1,400 | -$0 | 0.0% |
| California | $1,596 | $196 | 14.0% |
| Colorado | $1,338 | -$62 | -4.4% |
| Connecticut | $1,440 | $40 | 2.9% |
| Delaware | $1,584 | $184 | 13.1% |
| Florida | $1,752 | $352 | 25.1% |
| Georgia | $1,292 | -$108 | -7.7% |
| Hawaii | $1,006 | -$394 | -28.1% |
| Idaho | $948 | -$452 | -32.3% |
| Illinois | $1,044 | -$356 | -25.4% |
| Indiana | $1,054 | -$346 | -24.7% |
| Iowa | $946 | -$454 | -32.4% |
| Kansas | $1,330 | -$70 | -5.0% |
| Kentucky | $1,912 | $512 | 36.6% |
| Louisiana | $2,072 | $672 | 48.0% |
| Maine | $864 | -$536 | -38.3% |
| Maryland | $1,156 | -$244 | -17.4% |
| Massachusetts | $1,122 | -$278 | -19.9% |
| Michigan | $2,434 | $1,034 | 73.9% |
| Minnesota | $1,174 | -$226 | -16.1% |
| Mississippi | $1,676 | $276 | 19.7% |
| Missouri | $1,242 | -$158 | -11.3% |
| Montana | $1,504 | $104 | 7.4% |
| Nebraska | $1,104 | -$296 | -21.1% |
| Nevada | $1,680 | $280 | 20.0% |
| New Hampshire | $1,010 | -$390 | -27.9% |
| New Jersey | $1,566 | $166 | 11.9% |
| New Mexico | $1,242 | -$158 | -11.3% |
| New York | $1,476 | $76 | 5.4% |
| North Carolina | $806 | -$594 | -42.4% |
| North Dakota | $1,146 | -$254 | -18.1% |
| Ohio | $968 | -$432 | -30.9% |
| Oklahoma | $1,440 | $40 | 2.9% |
| Oregon | $1,282 | -$118 | -8.4% |
| Pennsylvania | $1,336 | -$64 | -4.6% |
| Rhode Island | $1,870 | $470 | 33.6% |
| South Carolina | $1,268 | -$132 | -9.4% |
| South Dakota | $1,182 | -$218 | -15.6% |
| Tennessee | $1,226 | -$174 | -12.4% |
| Texas | $1,688 | $288 | 20.6% |
| Utah | $1,036 | -$364 | -26.0% |
| Vermont | $960 | -$440 | -31.4% |
| Virginia | $838 | -$562 | -40.1% |
| Washington | $1,084 | -$316 | -22.6% |
| West Virginia | $1,282 | -$118 | -8.4% |
| Wisconsin | $970 | -$430 | -30.7% |
| Wyoming | $1,250 | -$150 | -10.7% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so the rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Kia K900 | $356 | $640 | $430 | $1,584 |
| 2020 Kia K900 | $336 | $618 | $442 | $1,554 |
| 2019 Kia K900 | $324 | $574 | $452 | $1,508 |
| 2018 Kia K900 | $310 | $540 | $456 | $1,464 |
| 2017 Kia K900 | $298 | $484 | $460 | $1,400 |
| 2016 Kia K900 | $278 | $446 | $460 | $1,342 |
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 Buy the Cheapest Kia K900 Insurance
Finding cheaper rates on Kia K900 insurance takes having a decent driving record, having a good credit history, not filing small claims, and taking advantage of discounts. Invest time comparing rates at every policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a recap of the data covered in the charts and tables above.
- Drivers who want additional liability coverage will pay around $510 every year to raise limits from a 30/60 limit to higher 250/500 limits
- You may be able to save approximately $170 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $525 each year
- 16 to 18-year-old drivers are charged the highest rates, as much as $439 each month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,268 |
| 20 | $3,212 |
| 30 | $1,454 |
| 40 | $1,400 |
| 50 | $1,280 |
| 60 | $1,254 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,744 |
| $250 | $1,584 |
| $500 | $1,400 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,400 |
| 50/100 | $1,492 |
| 100/300 | $1,607 |
| 250/500 | $1,906 |
| 100 CSL | $1,538 |
| 300 CSL | $1,791 |
| 500 CSL | $1,975 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,504 |
| 20 | $5,114 |
| 30 | $3,084 |
| 40 | $3,024 |
| 50 | $2,888 |
| 60 | $2,862 |
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 | $75 |
| Multi-vehicle | $74 |
| Homeowner | $22 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $99 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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