Kia K900 Insurance Rates
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Michelle Robbins
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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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The average insurance rates for a Kia K900 are $1,342 a year for full coverage. Comprehensive costs on average $278 a year, collision costs $446, and liability costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing around $2,896. Teen drivers cost the most to insure at $5,088 a year or more.
Average premium for full coverage: $1,342
Policy rates by type of insurance:
Rates are based on $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and K900 trim levels.
Price Range Variability
For an average driver, Kia K900 insurance rates go from the low end price of $510 for basic liability insurance to a high of $2,896 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas.
The diagram below illustrates the effect of geographic area on car insurance rates.
The examples above show why it is important to compare prices based on a specific location, instead of using 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 shows estimated Kia K900 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $782
- Using higher $1,000 deductibles will save around $1,178 a year
- The estimated price for a good driver age 40 with $500 deductibles is $1,342
- Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,660
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,896 or more
- Policy cost that insures a teen driver may cost $5,088 or more
Auto insurance rates for a Kia K900 also range considerably based on the trim level of your K900, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 133% more than average. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $5,000 a year. View Rates by Age
Your home state has a huge impact on Kia K900 insurance prices. A driver around age 40 might see rates as low as $890 a year in states like Idaho, Maine, and Iowa, or as much as $1,920 on average in Michigan, Louisiana, and New York.
| 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 could cut rates by as much as $490 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates will be varied.
| 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 the Best Cheap Kia K900 Insurance
Finding cheaper rates on car insurance requires having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at every policy renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.
The next list is a quick review of the data covered in the above illustrations.
- Policyholders who require increased levels of liability coverage will pay about $510 each year to increase from a 30/60 limit to the 250/500 level
- Drivers can save as much as $160 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $475 each year
- Drivers age 20 and younger are charged the highest rates, costing up to $424 each month if the policy includes full coverage
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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