Kia K900 Insurance Rates

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UPDATED: Apr 5, 2024

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Average insurance prices for a Kia K900 are $1,342 every 12 months for full coverage insurance. Comprehensive costs an estimated $278 each year, collision costs $446, and liability coverage is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing around $2,896. Teenage drivers receive the highest rates at $5,088 a year or more.

Average premium for full coverage: $1,342

Rate estimates broken down by individual coverage type:

Comprehensive $278
Collision $446
Liability $460

Includes $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and K900 models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from the cheapest price of $510 for just liability insurance to a high rate of $2,896 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,342
High Risk $2,896

Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how location helps determine insurance prices.

Rural Areas $1,007
Small Cities $1,409
Large Cities $1,812

These examples illustrate why all drivers should get quotes for a targeted area and their own driving history, rather than using average rates.

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.

More Rate Details

The chart below illustrates estimated Kia K900 insurance rates for other coverage scenarios.

  • The best discount rate is $782
  • Choosing higher $1,000 deductibles can save approximately $164 each year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,342
  • Using low deductibles for comp and collision coverage increases the price to $1,660
  • Drivers who are prone to accidents and violations could pay up to $2,896 or more
  • The cost to insure a teenage driver can cost as much as $5,088 each year

View Chart as Image

Kia K900 insurance cost comparison chart
Column chart showing full coverage Kia K900 insurance rates range from $782 to $5,088

Insurance rates for a Kia K900 can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles can save as much as $490 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 133% more than a normal policy. View High Risk Driver Rates

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 $880 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,810 on average in Florida, New York, and Michigan.

Kia K900 Insurance Rates by State
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%

View Chart as Image

Kia K900 insurance rates by U.S. city

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different.

Kia K900 Insurance Rates by Model Year
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 Shop for the Cheapest Kia K900 Insurance

Saving money on auto insurance takes being a good driver, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a recap of the data that was covered in the charts and tables above.

  • It is possible to save approximately $160 per year simply by quoting online in advance
  • Consumers who want an increased level of liability coverage will pay an extra $510 annually to raise limits from a minimum limit to a 250/500 level
  • Drivers age 16 to 20 are charged the highest rates, costing up to $424 per month if they have full coverage
  • Drivers that have major violations or accidents could be forced to pay on average $1,550 more annually than a safer driver

Rates by Driver Age

Kia K900 Insurance 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

Kia K900 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,660
$250 $1,512
$500 $1,342
$1,000 $1,178

Full coverage, driver age 40

Rates by Liability Limit

Kia K900 Insurance Rates with Different Liability Limits
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

Kia K900 Insurance 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.

SR-22 Surcharge $185

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
Rate after discounts $782

Discounts are estimated and may not be available from every company or in every state.

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