Kia EV9 Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance prices for a Kia EV9 are $1,674 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $444, collision costs $874, and liability is $246. Liability-only insurance costs around $298 a year, with high-risk driver insurance costing $3,630 or more. Teens pay the highest rates at $5,742 a year or more.

Average premium for full coverage: $1,674

Price estimates broken down by individual coverage:

Comprehensive $444
Collision $874
Liability $246

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different EV9 trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Kia EV9 insurance prices go from the cheapest price of $298 for just liability insurance to a much higher rate of $3,630 for a driver required to buy high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects insurance prices.

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

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on 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.

More Rate Details

The chart below illustrates estimated Kia EV9 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $913
  • Raising to $1,000 deductibles will save approximately $298 each year
  • The average price for the average middle-age driver who has $500 deductibles is $1,674
  • Selecting more expensive low deductibles costs an extra $586 annually
  • Drivers with serious driving violations could pay up to $3,630 or more
  • The price to insure a 16-year-old driver with full coverage can cost as much as $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

Car insurance prices for a Kia EV9 are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $890 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $222 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $5,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $2,000 to $2,600 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 134% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Kia EV9 insurance prices. A middle-age driver might find prices as low as $1,090 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,260 on average in Florida, New York, and Michigan.

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

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from multiple companies. Every auto insurance company calculates prices differently, so rate quotes may be quite different.

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 Shop for Affordable Kia EV9 Insurance

Getting lower rates on insurance for a Kia EV9 consists of avoiding accidents and violations, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to shop around at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a brief review of the data raised in the charts and tables above.

  • Insureds who want higher liability limits will pay approximately $270 annually to raise from a low limit to a 250/500 level
  • It is possible to save approximately $220 per year simply by shopping early and online
  • Increasing physical damage deductibles could save as much as $875 each year
  • Teenagers have the highest car insurance prices, as much as $479 a month if the policy includes full coverage

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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