Kia EV9 Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance rates for a Kia EV9 are $1,674 a year for full coverage. Comprehensive insurance costs around $444 each year, collision costs $874, and liability insurance is $246. Buying just liability costs around $298 a year, with insurance for high-risk drivers costing $3,630 or more. 16-year-old drivers cost the most to insure at $5,742 a year or more.

Average premium for full coverage: $1,674

Policy rates for type of insurance:

Comprehensive $444
Collision $874
Liability $246

These estimates include $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and EV9 models.

Price Range Variability

For an average driver, Kia EV9 insurance rates go from the low end price of $298 for just liability insurance to a high rate of $3,630 for high-risk insurance.

Liability Only $298
Full Coverage $1,674
High Risk $3,630

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than congested cities.

The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,256
Small Cities $1,758
Large Cities $2,260

The examples above show why all drivers should compare rates quotes for a specific zip code, rather than relying on rate 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.

More Rate Details

The chart below shows estimated Kia EV9 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $913
  • Raising to $1,000 deductibles will save about $298 a year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,674
  • Buying low deductibles will cost an additional $586 a year
  • Higher-risk drivers with multiple tickets or accidents could pay at least $3,630 or more
  • Policy cost that insures a teen driver can be $5,742

View Chart as Image

Kia EV9 insurance cost comparison chart
Column chart showing full coverage Kia EV9 insurance prices range from $913 to $5,742

Insurance rates for a Kia EV9 also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $2,000 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 45% to 134% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $5,700 a year. View Rates by Age

Your home state also has a big influence on Kia EV9 insurance rates. A middle-age driver might find rates as low as $1,100 a year in states like Idaho, Maine, and Iowa, or at least $2,390 on average in Michigan, Louisiana, and New York.

Kia EV9 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,514 -$160 -9.6%
Alaska $1,284 -$390 -23.3%
Arizona $1,392 -$282 -16.8%
Arkansas $1,674 -$0 0.0%
California $1,908 $234 14.0%
Colorado $1,596 -$78 -4.7%
Connecticut $1,720 $46 2.7%
Delaware $1,896 $222 13.3%
Florida $2,092 $418 25.0%
Georgia $1,546 -$128 -7.6%
Hawaii $1,204 -$470 -28.1%
Idaho $1,134 -$540 -32.3%
Illinois $1,250 -$424 -25.3%
Indiana $1,264 -$410 -24.5%
Iowa $1,130 -$544 -32.5%
Kansas $1,590 -$84 -5.0%
Kentucky $2,282 $608 36.3%
Louisiana $2,478 $804 48.0%
Maine $1,032 -$642 -38.4%
Maryland $1,382 -$292 -17.4%
Massachusetts $1,336 -$338 -20.2%
Michigan $2,906 $1,232 73.6%
Minnesota $1,402 -$272 -16.2%
Mississippi $2,006 $332 19.8%
Missouri $1,484 -$190 -11.4%
Montana $1,800 $126 7.5%
Nebraska $1,318 -$356 -21.3%
Nevada $2,008 $334 20.0%
New Hampshire $1,208 -$466 -27.8%
New Jersey $1,868 $194 11.6%
New Mexico $1,482 -$192 -11.5%
New York $1,762 $88 5.3%
North Carolina $964 -$710 -42.4%
North Dakota $1,372 -$302 -18.0%
Ohio $1,156 -$518 -30.9%
Oklahoma $1,718 $44 2.6%
Oregon $1,538 -$136 -8.1%
Pennsylvania $1,596 -$78 -4.7%
Rhode Island $2,234 $560 33.5%
South Carolina $1,516 -$158 -9.4%
South Dakota $1,414 -$260 -15.5%
Tennessee $1,468 -$206 -12.3%
Texas $2,018 $344 20.5%
Utah $1,242 -$432 -25.8%
Vermont $1,144 -$530 -31.7%
Virginia $1,004 -$670 -40.0%
Washington $1,292 -$382 -22.8%
West Virginia $1,538 -$136 -8.1%
Wisconsin $1,160 -$514 -30.7%
Wyoming $1,488 -$186 -11.1%

View Chart as Image

Kia EV9 insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $890 each year, whereas increasing liability limits will increase rates. Going 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 know your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the rates will be varied.

Kia EV9 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Kia EV9 $406 $834 $264 $1,614

Rates are averaged for all Kia EV9 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 Cheap Kia EV9 Insurance

Finding cheaper rates on Kia EV9 insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Comparison shop every couple of years by quoting rates from direct carriers, and also from several local insurance agents.

The following is a brief summary of the material that was covered in the above illustrations.

  • Drivers who may need higher liability limits will pay around $270 each year to raise from a 30/60 limit to the 250/500 level
  • Teens pay higher rates, costing up to $479 each month if full coverage is included
  • High-risk drivers that tend to have accidents or serious violations pay on average $1,960 more every year for EV9 insurance
  • Increasing comprehensive and collision deductibles can save approximately $875 each year

Rates by Driver Age

Kia EV9 Insurance Rates by Driver Age
Driver Age Premium
16 $5,742
20 $3,860
30 $1,784
40 $1,674
50 $1,524
60 $1,496

Full coverage, $500 deductibles

Rates by Deductible

Kia EV9 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,260
$250 $1,988
$500 $1,674
$1,000 $1,376

Full coverage, driver age 40

Rates by Liability Limit

Kia EV9 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,674
50/100 $1,723
100/300 $1,785
250/500 $1,945
100 CSL $1,748
300 CSL $1,883
500 CSL $1,982

Full coverage, driver age 40

Rates for High Risk Drivers

Kia EV9 Insurance Rates for High Risk Drivers
Age Premium
16 $8,318
20 $6,144
30 $3,756
40 $3,630
50 $3,458
60 $3,428

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 $241

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $94
Multi-vehicle $85
Homeowner $21
5-yr Accident Free $142
5-yr Claim Free $112
Paid in Full/EFT $91
Advance Quote $91
Online Quote $125
Total Discounts $761
Rate after discounts $913

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

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