Kia EV9 Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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Average insurance rates for a Kia EV9 are $1,674 a year including full coverage. Comprehensive insurance costs around $444 a year, collision costs $874, and liability is estimated at $246. Liability-only coverage costs approximately $298 a year, with high-risk coverage costing $3,630 or more. Teenage drivers receive the highest rates at $5,742 a year or more.
Average premium for full coverage: $1,674
Rate estimates for individual coverage type:
Prices are based on $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and EV9 trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $298 for just liability coverage to a high of $3,630 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than densely populated cities.
The diagram below illustrates how location helps determine auto insurance rates.
These examples highlight why it is important to get quotes for a specific zip code and risk profile, 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.
Detailed Rate Analysis
The chart below breaks down estimated Kia EV9 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $913
- Choosing higher $1,000 deductibles can save about $1,376 every year
- The average rate for a 40-year-old driver using $500 deductibles is $1,674
- Using low $100 deductibles for comp and collision coverage will cost an extra $586 annually
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,630 or more
- The cost for full coverage for a 16-year-old driver can be $5,742 each year
Car insurance rates for a Kia EV9 can also vary considerably based on your driver profile, the model of your EV9, and deductibles and policy limits.
Older drivers with no driving violations and high deductibles may pay as low as $1,500 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $5,700 a year. View Rates by Age
Where you live plays a big part in determining prices for Kia EV9 insurance prices. A good driver about age 40 could pay as low as $1,280 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $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% |
Using high physical damage deductibles can save as much as $890 annually, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $222 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at least $2,000 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy ranges from 45% to 134% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the best way to figure out your exact price is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.
| 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 Affordable Kia EV9 Insurance
Saving money on insurance for a Kia EV9 takes not taking risks behind the wheel, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates once a year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.
The following is a brief review of the data that was covered in the charts and tables above.
- You may be able to save up to $220 per year simply by quoting early and online
- Insureds who may need higher liability limits will pay an extra $270 per year to raise limits from a minimum limit to 250/500 limits
- Teens are the costliest to insure, as much as $479 per month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,960 more every year for 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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