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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The average auto insurance rates for a Kia EV9 are $1,674 annually including full coverage. Comprehensive insurance costs around $444, collision insurance costs $874, and liability costs around $246. A liability-only policy costs as low as $298 a year, and high-risk insurance costs $3,630 or more. Teens cost the most to insure at up to $5,742 a year.
Average premium for full coverage: $1,674
Policy rates for type of insurance:
Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all EV9 models.
Price Range Variability
For a driver around age 40, Kia EV9 insurance rates range from as cheap as $298 for just the minimum liability insurance to the much higher price of $3,630 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above highlight why everyone should compare prices for a specific zip code and their own personal driving habits, 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
- Using higher $1,000 deductibles will save about $298 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,674
- Selecting pricier low deductibles for physical damage coverage costs an additional $586 every year
- Drivers with serious driving violations could pay at least $3,630
- Policy cost with full coverage for a teen driver for full coverage can be $5,742 or more
Car insurance rates for a Kia EV9 also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $5,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $2,000 to $2,600 extra every year, depending on your age. Kia EV9 insurance for high-risk drivers can be as much as 45% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $890 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $222 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Kia EV9 insurance prices. A driver around age 40 might see rates 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% |
| 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 More Affordable Kia EV9 Insurance
Finding cheaper rates on car insurance requires having a good driving record, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to compare rates once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a summary of the data that was covered above.
- You may be able to save up to $220 per year just by quoting online well ahead of the renewal date
- Policyholders who may need increased levels of liability coverage will pay approximately $270 per year to increase from a 30/60 limit to higher 250/500 limits
- Drivers age 20 and younger are the costliest to insure, with premiums being up to $479 each month if comprehensive and collision insurance is included
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,960 more every year to buy Kia EV9 insurance
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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