Kia K900 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 5, 2024
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Average insurance rates for a Kia K900 are $1,342 a year including full coverage. Comprehensive insurance costs around $278 each year, collision costs $446, and liability insurance is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing $2,896 or more. Teen drivers receive the highest rates at $5,088 a year or more.
Average premium for full coverage: $1,342
Rate estimates for individual coverage type:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and K900 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the low end price of $510 for basic liability insurance to a high rate of $2,896 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance rates.
These examples highlight why all drivers should get quotes for a specific zip code, 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.
Rate Comparisons
The chart below breaks down estimated Kia K900 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $782
- Choosing higher $1,000 deductibles can save about $164 every year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,342
- Choosing low deductibles for comp and collision coverage will cost an additional $318 a year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,896 or more
- The cost that insures a teen driver can be $5,088 each year
Auto insurance rates for a Kia K900 can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are likely paying at least $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 133% more than average. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $5,000 a year. View Rates by Age
Where you live plays a big part in determining prices for Kia K900 insurance rates. A good driver about age 40 could pay as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,920 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,214 | -$128 | -9.5% |
| Alaska | $1,030 | -$312 | -23.2% |
| Arizona | $1,114 | -$228 | -17.0% |
| Arkansas | $1,342 | -$0 | 0.0% |
| California | $1,530 | $188 | 14.0% |
| Colorado | $1,284 | -$58 | -4.3% |
| Connecticut | $1,380 | $38 | 2.8% |
| Delaware | $1,518 | $176 | 13.1% |
| Florida | $1,678 | $336 | 25.0% |
| Georgia | $1,240 | -$102 | -7.6% |
| Hawaii | $964 | -$378 | -28.2% |
| Idaho | $908 | -$434 | -32.3% |
| Illinois | $1,000 | -$342 | -25.5% |
| Indiana | $1,010 | -$332 | -24.7% |
| Iowa | $906 | -$436 | -32.5% |
| Kansas | $1,276 | -$66 | -4.9% |
| Kentucky | $1,832 | $490 | 36.5% |
| Louisiana | $1,986 | $644 | 48.0% |
| Maine | $828 | -$514 | -38.3% |
| Maryland | $1,108 | -$234 | -17.4% |
| Massachusetts | $1,074 | -$268 | -20.0% |
| Michigan | $2,332 | $990 | 73.8% |
| Minnesota | $1,124 | -$218 | -16.2% |
| Mississippi | $1,608 | $266 | 19.8% |
| Missouri | $1,192 | -$150 | -11.2% |
| Montana | $1,442 | $100 | 7.5% |
| Nebraska | $1,060 | -$282 | -21.0% |
| Nevada | $1,610 | $268 | 20.0% |
| New Hampshire | $968 | -$374 | -27.9% |
| New Jersey | $1,500 | $158 | 11.8% |
| New Mexico | $1,188 | -$154 | -11.5% |
| New York | $1,414 | $72 | 5.4% |
| North Carolina | $772 | -$570 | -42.5% |
| North Dakota | $1,098 | -$244 | -18.2% |
| Ohio | $928 | -$414 | -30.8% |
| Oklahoma | $1,380 | $38 | 2.8% |
| Oregon | $1,230 | -$112 | -8.3% |
| Pennsylvania | $1,280 | -$62 | -4.6% |
| Rhode Island | $1,792 | $450 | 33.5% |
| South Carolina | $1,216 | -$126 | -9.4% |
| South Dakota | $1,132 | -$210 | -15.6% |
| Tennessee | $1,176 | -$166 | -12.4% |
| Texas | $1,618 | $276 | 20.6% |
| Utah | $994 | -$348 | -25.9% |
| Vermont | $918 | -$424 | -31.6% |
| Virginia | $804 | -$538 | -40.1% |
| Washington | $1,038 | -$304 | -22.7% |
| West Virginia | $1,230 | -$112 | -8.3% |
| Wisconsin | $928 | -$414 | -30.8% |
| Wyoming | $1,196 | -$146 | -10.9% |
Choosing high deductibles can save as much as $490 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Kia K900 | $336 | $618 | $442 | $1,554 |
| 2020 Kia K900 | $324 | $574 | $452 | $1,508 |
| 2019 Kia K900 | $310 | $540 | $456 | $1,464 |
| 2018 Kia K900 | $298 | $484 | $460 | $1,400 |
| 2017 Kia K900 | $278 | $446 | $460 | $1,342 |
| 2016 Kia K900 | $268 | $418 | $464 | $1,308 |
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 Find Cheaper Kia K900 Insurance
Saving money on Kia K900 insurance takes being a good driver, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Shop around once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following list is a condensed summary of the data that was raised in the charts and tables above.
- You may be able to save up to $160 per year simply by quoting online in advance
- Drivers who may need an increased level of liability coverage will pay about $510 per year to raise limits from a minimum limit to the 250/500 level
- Drivers age 16 to 20 are expensive to insure, as much as $424 per month if the policy includes full coverage
- High-risk drivers with multiple at-fault accidents may have to pay on average $1,550 more every year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,088 |
| 20 | $3,078 |
| 30 | $1,390 |
| 40 | $1,342 |
| 50 | $1,226 |
| 60 | $1,202 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,660 |
| $250 | $1,512 |
| $500 | $1,342 |
| $1,000 | $1,178 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,342 |
| 50/100 | $1,434 |
| 100/300 | $1,549 |
| 250/500 | $1,848 |
| 100 CSL | $1,480 |
| 300 CSL | $1,733 |
| 500 CSL | $1,917 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,236 |
| 20 | $4,900 |
| 30 | $2,952 |
| 40 | $2,896 |
| 50 | $2,766 |
| 60 | $2,740 |
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 | $71 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $95 |
| Total Discounts | $560 |
Discounts are estimated and may not be available from every company or in every state.
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