Kia K900 Insurance Rates

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UPDATED: Apr 5, 2024

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U.S. average insurance prices for a Kia K900 are $1,400 every 12 months for full coverage insurance. Comprehensive costs an estimated $298, collision costs $484, and liability costs around $460. A policy with just liability insurance costs as low as $510 a year, with coverage for high-risk drivers costing around $3,024. Teen drivers pay the highest rates at $5,268 a year or more.

Average premium for full coverage: $1,400

Price estimates broken down by individual coverage:

Comprehensive $298
Collision $484
Liability $460

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for different K900 trim levels.

Price Range from Low to High

For a driver around age 40, Kia K900 insurance prices go from the cheapest price of $510 for just liability coverage to a much higher rate of $3,024 for a high-risk driver policy.

Liability Only $510
Full Coverage $1,400
High Risk $3,024

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have more infrequent physical damage claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $1,050
Small Cities $1,470
Large Cities $1,890

The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of making a decision based 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.

Detailed Rate Analysis

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

  • The lowest rate with discounts is $812
  • Using higher $1,000 deductibles will save approximately $178 each year
  • The average price for the average middle-age driver who has $500 deductibles is $1,400
  • Choosing more expensive low deductibles for physical damage coverage increases the price to $1,744
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $3,024 or more
  • The price to insure a 16-year-old driver with full coverage can cost as much as $5,268 or more

View Chart as Image

Kia K900 insurance cost comparison chart
Column chart showing full coverage Kia K900 insurance rates range from $812 to $5,268

Insurance prices for a Kia K900 are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $530 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $5,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can be from 44% to 136% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Kia K900 insurance prices. A driver around age 40 might see prices as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,890 on average in Florida, New York, and Michigan.

Kia K900 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,268 -$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%

View Chart as Image

Kia K900 insurance rates by U.S. city

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from multiple companies. Each insurance company uses a different rate calculation, so the prices may be quite different.

Kia K900 Insurance Rates by Model Year
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 Shop for Cheap Kia K900 Insurance

Getting lower rates on insurance for a Kia K900 requires being a good driver, having good credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a brief summary of the information covered above.

  • It is possible to save approximately $170 per year simply by shopping early and online
  • Drivers age 16 to 20 are charged the highest prices, as much as $439 a month if they have full coverage
  • Increasing physical damage deductibles could save as much as $525 each year
  • Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,620 more annually than a safer driver
  • Insureds who want an increased level of liability coverage will pay about $510 annually to increase from a low limit to a 250/500 level

Rates by Driver Age

Kia K900 Insurance 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

Kia K900 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,744
$250 $1,584
$500 $1,400
$1,000 $1,222

Full coverage, driver age 40

Rates by Liability Limit

Kia K900 Insurance Rates with Different Liability Limits
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

Kia K900 Insurance 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.

SR-22 Surcharge $193

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
Rate after discounts $812

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

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