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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Estimated auto insurance rates for a Kia EV9 are $1,674 annually for full coverage insurance. Comprehensive costs approximately $444 each year, collision costs $874, and liability coverage is $246. A liability-only policy costs around $298 a year, with high-risk insurance costing around $3,630. 16-year-old drivers pay the most at $5,742 a year or more.
Average premium for full coverage: $1,674
Premium estimates by type of coverage:
Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and EV9 models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Kia EV9 go from as cheap as $298 for just liability coverage to a high rate of $3,630 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences illustrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than using rate averages.
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 illustrates estimated Kia EV9 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $913
- Raising to $1,000 deductibles will save $298 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,674
- Buying low deductibles will cost $2,260
- Unlucky drivers with multiple tickets or accidents could pay around $3,630 or more
- An auto insurance policy with full coverage for a teenage driver can cost $5,742
Auto insurance prices for a Kia EV9 also have a wide range based on the model of your EV9, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $5,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $2,000 to $2,600 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 45% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $890 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $222 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Kia EV9 insurance rates. A middle-age driver might find prices as low as $1,090 a year in states like North Carolina, Wisconsin, and Vermont, or at least $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% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different 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 better rates on auto insurance consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to compare rates every other policy renewal by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
The items below are a review of the ideas that were covered above.
- Teen drivers have the highest car insurance prices, with premiums being up to $479 per month if full coverage is included
- Drivers who have several accidents or serious violations could be forced to pay on average $1,960 more per year to insure their EV9
- Increasing policy deductibles could save up to $875 each year
- It is possible to save around $220 per year simply by quoting online in advance
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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