Kia EV6 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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance prices for a Kia EV6 are $1,586 every 12 months for full coverage insurance. Comprehensive costs approximately $418, collision costs $812, and liability coverage is $246. A policy with only liability insurance costs around $298 a year, with a high-risk policy costing around $3,432. Teens pay the most at $5,458 a year or more.
Average premium for full coverage: $1,586
Premium estimates by type of coverage:
Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different EV6 trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Kia EV6 go from the cheapest price of $298 for just the minimum liability insurance to a much higher rate of $3,432 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than using averaged prices.
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.
Additional Rate Analysis
The chart below illustrates estimated Kia EV6 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $868
- Raising to $1,000 deductibles will save $278 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,586
- Selecting more expensive low deductibles increases the price to $2,130
- Unlucky drivers with serious driving violations could pay around $3,432 or more
- An auto insurance policy to insure a teenage driver with full coverage can cost $5,458
Car insurance prices for a Kia EV6 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your EV6.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $830 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $222 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $5,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,900 to $2,500 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 46% to 134% more than the average policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Kia EV6 insurance rates. A middle-age driver might find prices as low as $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,140 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,434 | -$152 | -9.6% |
| Alaska | $1,214 | -$372 | -23.5% |
| Arizona | $1,316 | -$270 | -17.0% |
| Arkansas | $1,586 | -$0 | 0.0% |
| California | $1,806 | $220 | 13.9% |
| Colorado | $1,512 | -$74 | -4.7% |
| Connecticut | $1,626 | $40 | 2.5% |
| Delaware | $1,792 | $206 | 13.0% |
| Florida | $1,980 | $394 | 24.8% |
| Georgia | $1,464 | -$122 | -7.7% |
| Hawaii | $1,140 | -$446 | -28.1% |
| Idaho | $1,072 | -$514 | -32.4% |
| Illinois | $1,184 | -$402 | -25.3% |
| Indiana | $1,194 | -$392 | -24.7% |
| Iowa | $1,070 | -$516 | -32.5% |
| Kansas | $1,506 | -$80 | -5.0% |
| Kentucky | $2,162 | $576 | 36.3% |
| Louisiana | $2,346 | $760 | 47.9% |
| Maine | $976 | -$610 | -38.5% |
| Maryland | $1,306 | -$280 | -17.7% |
| Massachusetts | $1,266 | -$320 | -20.2% |
| Michigan | $2,752 | $1,166 | 73.5% |
| Minnesota | $1,328 | -$258 | -16.3% |
| Mississippi | $1,898 | $312 | 19.7% |
| Missouri | $1,404 | -$182 | -11.5% |
| Montana | $1,702 | $116 | 7.3% |
| Nebraska | $1,248 | -$338 | -21.3% |
| Nevada | $1,900 | $314 | 19.8% |
| New Hampshire | $1,144 | -$442 | -27.9% |
| New Jersey | $1,770 | $184 | 11.6% |
| New Mexico | $1,404 | -$182 | -11.5% |
| New York | $1,668 | $82 | 5.2% |
| North Carolina | $912 | -$674 | -42.5% |
| North Dakota | $1,298 | -$288 | -18.2% |
| Ohio | $1,094 | -$492 | -31.0% |
| Oklahoma | $1,626 | $40 | 2.5% |
| Oregon | $1,454 | -$132 | -8.3% |
| Pennsylvania | $1,510 | -$76 | -4.8% |
| Rhode Island | $2,112 | $526 | 33.2% |
| South Carolina | $1,436 | -$150 | -9.5% |
| South Dakota | $1,338 | -$248 | -15.6% |
| Tennessee | $1,388 | -$198 | -12.5% |
| Texas | $1,908 | $322 | 20.3% |
| Utah | $1,172 | -$414 | -26.1% |
| Vermont | $1,082 | -$504 | -31.8% |
| Virginia | $950 | -$636 | -40.1% |
| Washington | $1,222 | -$364 | -23.0% |
| West Virginia | $1,454 | -$132 | -8.3% |
| Wisconsin | $1,096 | -$490 | -30.9% |
| Wyoming | $1,410 | -$176 | -11.1% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Every auto insurance company calculates prices differently, so rate quotes will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia EV6 | $382 | $774 | $264 | $1,530 |
Rates are averaged for all Kia EV6 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 Right Kia EV6 Insurance
Finding better rates on auto insurance consists of being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Set aside time to shop around at least once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.
Below is a quick rundown of the primary concepts that were raised in the charts and tables above.
- It is possible to save around $200 per year simply by shopping early and online
- Drivers with reckless driving or DUI convictions may have to pay on average $1,850 more per year for auto insurance
- Increasing policy deductibles could save as much as $825 each year
- Teenage drivers pay the highest auto insurance prices, with premiums being up to $455 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,458 |
| 20 | $3,650 |
| 30 | $1,686 |
| 40 | $1,586 |
| 50 | $1,442 |
| 60 | $1,416 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,130 |
| $250 | $1,878 |
| $500 | $1,586 |
| $1,000 | $1,308 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,586 |
| 50/100 | $1,635 |
| 100/300 | $1,697 |
| 250/500 | $1,857 |
| 100 CSL | $1,660 |
| 300 CSL | $1,795 |
| 500 CSL | $1,894 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,896 |
| 20 | $5,808 |
| 30 | $3,548 |
| 40 | $3,432 |
| 50 | $3,268 |
| 60 | $3,240 |
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 | $89 |
| Multi-vehicle | $81 |
| Homeowner | $20 |
| 5-yr Accident Free | $133 |
| 5-yr Claim Free | $106 |
| Paid in Full/EFT | $85 |
| Advance Quote | $86 |
| Online Quote | $118 |
| Total Discounts | $718 |
Discounts are estimated and may not be available from every company or in every state.
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