Kia EV9 Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Kia EV9 are $1,674 a year for full coverage insurance. Comprehensive insurance costs an estimated $444, collision insurance costs $874, and liability costs around $246. Liability-only coverage costs as low as $298 a year, and high-risk coverage costs $3,630 or more. Teenage drivers pay the highest rates at up to $5,742 a year.

Average premium for full coverage: $1,674

Price estimates broken down by individual coverage:

Comprehensive $444
Collision $874
Liability $246

Estimates include $500 deductible amounts, bodily injury liability limits of 30/60, 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 middle-aged driver as an example, Kia EV9 insurance prices range from the low end price of $298 for just liability insurance to a much higher rate of $3,630 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how where you live 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 prices for a targeted area, instead of making a decision based 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.

More Rate Details

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

  • The best discount rate is $913
  • Using higher $1,000 deductibles will save approximately $298 each year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,674
  • Using more expensive low deductibles for physical damage coverage will cost an additional $586 annually
  • High-risk insureds who are prone to accidents and violations could pay up to $3,630
  • The price that insures a 16-year-old driver with full coverage can cost as much as $5,742 or more

View Chart as Image

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

Auto insurance prices for a Kia EV9 are also quite variable based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $2,000 to $2,600 in extra premium each year, depending on your age. High-risk driver insurance can be from 45% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,500 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $5,700 a year. View Rates by Age

The state you live in has a huge impact on Kia EV9 insurance prices. A driver around age 40 might see prices as low as $1,090 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $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

Using high physical damage deductibles could cut prices by as much as $890 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $222 extra every year. View Rates by Deductible or Liability Limit

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 Low Cost Kia EV9 Insurance

Getting lower rates on insurance for a Kia EV9 requires having a good driving record, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Compare prices every other policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The next list is a review of the ideas that were touched on in the above illustrations.

  • Drivers age 20 and younger are the costliest to insure, as much as $479 a month if the policy includes full coverage
  • Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,960 more annually to buy Kia EV9 insurance
  • Increasing physical damage deductibles can save approximately $875 each year
  • It is possible to save approximately $220 per year just by shopping early and online

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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