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 auto insurance rates for a Kia EV6 are $1,586 annually for full coverage. Comprehensive insurance costs an estimated $418, collision costs $812, and liability insurance is estimated at $246. A liability-only policy costs approximately $298 a year, with high-risk insurance costing $3,432 or more. Teenage drivers pay the most at $5,458 a year or more.
Average premium for full coverage: $1,586
Premium estimates broken down by type of coverage:
Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for all EV6 models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Kia EV6 go from as cheap as $298 for just liability coverage to the much higher price of $3,432 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city has a significant impact on insurance rates. More rural locations are statistically proven to have fewer accident claims than densely populated cities.
The example below illustrates how where you live affects insurance prices.
These rate differences show why everyone should get 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
- Choosing higher $1,000 deductibles can save approximately $278 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,586
- Using pricier low deductibles for comp and collision coverage costs an additional $544 a year
- High-risk insureds who are prone to accidents and violations could pay up to $3,432 or more
- An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $5,458 each year
Auto insurance prices for a Kia EV6 also have a wide range based on the model of your EV6, your driver profile, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $5,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying $1,900 to $2,500 in extra premium annually, depending on your age. Kia EV6 insurance for high-risk drivers ranges anywhere from 46% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $830 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $222 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Kia EV6 insurance rates. A good driver about age 40 could pay 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 such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially 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 Affordable Kia EV6 Insurance
Finding better rates on Kia EV6 insurance takes being a low-risk driver, having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop every other policy renewal by getting rate quotes from direct carriers, and also from local exclusive and independent agents.
The items below are a brief review of the ideas that were touched on in the above illustrations.
- Teen drivers are the costliest to insure, as much as $455 per month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,850 more annually to insure their EV6
- Increasing policy deductibles could save up to $825 each year
- Drivers can save approximately $200 per year simply by quoting online well ahead of the renewal date
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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