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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U.S. average insurance rates for a Kia EV9 are $1,674 a year including full coverage. Comprehensive insurance costs around $444, collision insurance costs $874, and liability is $246. A policy with just liability insurance costs around $298 a year, and coverage for high-risk drivers costs $3,630 or more. Teens pay the highest rates at up to $5,742 a year.
Average premium for full coverage: $1,674
Price estimates for individual coverage:
Prices include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different EV9 trim levels.
Price Range from Low to High
For a driver in their 40's, Kia EV9 insurance prices range from the low end price of $298 for just the minimum liability insurance to a much higher rate of $3,630 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of using 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.
Additional Rate Analysis
The chart below breaks down average Kia EV9 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $913
- Raising to $1,000 deductibles will save about $298 every year
- The estimated price for the average middle-age driver using $500 deductibles is $1,674
- Selecting more expensive low deductibles will cost an additional $586 every year
- At-risk drivers with serious driving violations could pay at least $3,630
- The price that insures a teen driver with full coverage can be $5,742
Insurance prices for a Kia EV9 are also quite variable based on the model year and trim level, your driving record and age, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are likely paying at least $2,000 to $2,600 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 134% more than the average policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,700 a year. View Rates by Age
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 $1,280 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,390 on average in Michigan, New York, and Louisiana.
| 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% |

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $890 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $222 more per year. View Rates by Deductible or Liability Limit
| 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 the Right Kia EV9 Insurance
Getting lower rates on car insurance consists of being safe and accident-free, having above-average credit, being claim-free, and dropping full coverage on older vehicles. Compare rates once a year by requesting rates from direct car insurance companies, and also from local insurance agencies.
Below you'll find a quick rundown of the data that was covered in the charts and tables above.
- You may be able to save up to $220 per year just by shopping early and online
- Policyholders who may need more liability protection will pay approximately $270 per year to raise from a low limit to the 250/500 level
- Youthful drivers pay higher prices, possibly costing $479 a month if full coverage is included
- Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,960 more every year than a low-risk driver
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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