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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Average auto insurance rates for a Kia EV6 are $1,586 annually for full coverage. Comprehensive insurance costs an estimated $418 each year, collision costs $812, and liability insurance is $246. A policy with just liability insurance costs around $298 a year, with coverage for high-risk drivers costing $3,432 or more. Teenage drivers receive the highest rates at $5,458 a year or more.
Average premium for full coverage: $1,586
Rate estimates broken down by individual coverage type:
Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and EV6 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $298 for just liability coverage to a high rate of $3,432 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities.
The graphic below illustrates how rural and urban location affects insurance prices.
These examples show why all drivers should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on 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.
Detailed Rate Analysis
The chart below shows estimated Kia EV6 insurance rates for other coverage scenarios.
- The best discount rate is $868
- Raising to $1,000 deductibles will save approximately $278 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,586
- Using low deductibles costs an additional $544 a year
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,432 or more
- The cost with full coverage for a teen driver can cost as much as $5,458
Insurance rates for a Kia EV6 can also vary considerably based on the trim level of your EV6, your driver profile, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,900 to $2,500 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 46% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $830 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $222 more each year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Kia EV6 insurance rates. A middle-age driver might find rates as low as $1,040 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,260 on average in New York, Louisiana, 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 so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different between companies.
| 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 Buy the Best Cheap Kia EV6 Insurance
Saving money on Kia EV6 insurance consists of being safe and accident-free, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to shop around every other policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a quick review of the ideas that were raised in the charts and tables above.
- Youthful drivers are expensive to insure, costing as high as $455 per month if they have full coverage
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,850 more annually than a low-risk driver
- Increasing deductibles could save up to $825 each year
- Drivers can save approximately $200 per year simply by quoting online in advance
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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