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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The average insurance rates for a Kia EV6 are $1,586 a year for full coverage insurance. Comprehensive costs approximately $418 each year, collision costs $812, and liability costs around $246. Buying just liability costs as low as $298 a year, with insurance for high-risk drivers costing around $3,432. Teen drivers cost the most to insure at $5,458 a year or more.
Average premium for full coverage: $1,586
Policy rates by type of insurance:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and EV6 models.
Price Range Variability
For a 40-year-old driver, Kia EV6 insurance rates go from the low end price of $298 for basic liability insurance to a high rate of $3,432 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than larger metro areas.
The graphic below illustrates how your location can change auto insurance prices.
The examples above illustrate why all drivers should compare prices using their 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 illustrates estimated Kia EV6 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $868
- Using higher $1,000 deductibles will save $278 each year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,586
- Choosing low deductibles for physical damage coverage bumps up the cost to $2,130
- Drivers with multiple violations and an at-fault accident could pay around $3,432 or more
- Policy cost that insures a teen driver can cost $5,458 or more
Insurance rates for a Kia EV6 also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,900 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 46% to 134% more than average. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,400 a year. View Rates by Age
Your home state has a huge impact on Kia EV6 insurance prices. A driver around age 40 might see rates as low as $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $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% |
Choosing high deductibles could cut rates by as much as $830 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $222 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates will be varied.
| 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 Find the Best Cheap Kia EV6 Insurance
Finding cheaper rates on car insurance requires being a good driver, having above-average credit, being claim-free, and maximizing policy discounts. Shop around at least once a year by getting quotes from direct insurance companies, and also from your local car insurance providers.
The following list is a quick review of the primary concepts that were illustrated above.
- It is possible to save around $200 per year simply by quoting online in advance
- Higher risk drivers with a DUI or reckless driving violation could be charged and average of $1,850 more per year than a safer driver
- Increasing comprehensive and collision deductibles can save approximately $825 each year
- Drivers age 16 to 20 are expensive to insure, possibly costing $455 each month if full coverage is included
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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