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 insurance prices for a Kia EV9 are $1,674 every 12 months for full coverage insurance. Comprehensive costs an estimated $444 a year, collision costs $874, and liability costs $246. A liability-only policy costs as little as $298 a year, with high-risk insurance costing around $3,630. Teenage drivers cost the most to insure at $5,742 a year or more.
Average premium for full coverage: $1,674
Policy rates broken down by type of insurance:
Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and EV9 trim levels.
Price Range Variability
For the normal driver, Kia EV9 insurance rates go from the cheapest price of $298 for just the minimum liability insurance to a high of $3,630 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than densely populated cities.
The diagram below illustrates how geographic area affects insurance prices.
The examples above illustrate why it is important to compare rates for a targeted area and their own driving history, 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.
Additional Rate Analysis
The chart below illustrates estimated Kia EV9 insurance rates for other coverage scenarios.
- The best discount rate is $913
- Drivers who choose higher $1,000 deductibles will pay approximately $1,376 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,674
- Using low $100 deductibles for comprehensive and collision insurance increases the price to $2,260
- Drivers who are prone to accidents and violations could pay up to $3,630 or more
- Policy cost to insure a 16-year-old driver can cost as much as $5,742 a year
Car insurance rates for a Kia EV9 also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Using high physical damage deductibles could save up to $890 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $222 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $2,000 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy can cost from 45% to 134% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Kia EV9 insurance prices. A 40-year-old driver could pay 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.
| 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% |
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Every company uses a different method to calculate rates, so rate quotes will be varied.
| 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 Shop for Affordable Kia EV9 Insurance
Finding cheaper rates on insurance for a Kia EV9 not only requires being a safe and courteous driver, but also maintaining a good credit score, being claim-free, and not having any coverage lapses. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
Below is a brief review of the ideas that were presented in the illustrations above.
- Teenage drivers have the highest car insurance rates, possibly costing $479 each month if the policy includes full coverage
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,960 more annually for auto insurance
- Increasing comprehensive and collision deductibles could save as much as $875 each year
- It is possible to save approximately $220 per year simply by quoting early and online
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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