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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The average auto insurance rates for a Kia EV9 are $1,674 annually including full coverage. Comprehensive costs an estimated $444 a year, collision costs $874, and liability is $246. Liability-only insurance costs around $298 a year, with high-risk driver 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:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and EV9 trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Kia EV9 insurance rates go from as cheap as $298 for minimum levels of liability insurance to a high of $3,630 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.
The diagram below illustrates how rural and urban location affects insurance prices.
The examples above highlight why it is important to compare rates quotes for a targeted area and their own personal driving habits, 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 Details
The chart below breaks down estimated Kia EV9 insurance rates for other coverage scenarios.
- The best discount rate is $913
- Raising to $1,000 deductibles will save approximately $1,376 every year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,674
- Using low $100 deductibles will cost $2,260
- Drivers who are prone to accidents and violations could pay up to $3,630 or more
- Policy cost with full coverage for a 16-year-old driver can cost as much as $5,742
Auto insurance rates for a Kia EV9 also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, 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 points on your driving record or you caused a few accidents, you are likely paying $2,000 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $890 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $222 extra every year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Kia EV9 insurance prices. A middle-age driver might find rates as low as $1,280 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,390 on average in Louisiana, 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 best way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied 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 Low Cost Kia EV9 Insurance
Finding cheaper rates on insurance for a Kia EV9 consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around at every policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a review of the data raised in the charts and tables above.
- Insureds who want additional liability coverage will pay an extra $270 per year to raise from a 30/60 limit to higher 250/500 limits
- You may be able to save approximately $220 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $875 each year
- 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $479 each 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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