Kia EV9 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 EV9 are $1,674 annually for full coverage. Comprehensive insurance costs an estimated $444, collision costs $874, and liability insurance is estimated at $246. A liability-only policy costs approximately $298 a year, with high-risk insurance costing $3,630 or more. 16-year-old drivers pay the most at $5,742 a year or more.
Average premium for full coverage: $1,674
Premium estimates broken down by type of coverage:
Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different EV9 trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Kia EV9 go from as cheap as $298 for basic liability insurance to a much higher rate of $3,630 for coverage for higher-risk drivers.
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 congested cities.
The price range example below illustrates how location impacts insurance prices.
These rate differences show why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, 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.
Rate Comparisons
The chart below shows estimated Kia EV9 insurance rates for other coverage scenarios.
- The best full coverage rate is $913
- Choosing higher $1,000 deductibles can save approximately $298 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,674
- Buying more expensive low deductibles for comp and collision coverage costs an additional $586 a year
- High-risk insureds with multiple tickets or accidents could pay up to $3,630 or more
- An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $5,742 each year
Auto insurance prices for a Kia EV9 also have a wide range based on the model of your EV9, your driver profile, and liability limits and deductibles.
An older 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 highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $5,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying $2,000 to $2,600 in extra premium annually, depending on your age. High-risk driver insurance ranges anywhere from 45% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $890 each year, while increasing your policy's liability limits 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 EV9 insurance rates. A good driver about age 40 could pay as low as $1,100 a year in states like Iowa, Maine, and Idaho, or at least $2,390 on average in New York, Louisiana, and Michigan.
| 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% |
With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially different between companies.
| 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 Buy the Best Cheap Kia EV9 Insurance
Finding better rates on Kia EV9 insurance takes having a decent driving record, having above-average credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around at least once a year by requesting quotes from direct carriers, and also from local exclusive and independent agents.
The following items are a quick review of the primary concepts that were touched on above.
- Drivers can save approximately $220 per year simply by shopping early and online
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,960 more annually than a driver with a clean driving record
- Increasing policy deductibles could save up to $875 each year
- 16 to 18-year-old drivers are the costliest to insure, as much as $479 per month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,260 |
| $250 | $1,988 |
| $500 | $1,674 |
| $1,000 | $1,376 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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