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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Average insurance prices for a Kia EV9 are $1,674 every 12 months for full coverage insurance. Comprehensive costs around $444, 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. Teen 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:
Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different EV9 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $298 for liability-only coverage to a much higher rate of $3,630 for coverage for higher-risk drivers.
Price Range by Location
Your location can make a big difference on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates how rural and urban location affects auto insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of making a decision based on price 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.
Additional Charts and Tables
The chart below illustrates estimated Kia EV9 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $913
- Drivers who choose higher $1,000 deductibles will pay about $298 each year
- The average price for a 40-year-old driver using $500 deductibles is $1,674
- Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $2,260
- Drivers with multiple violations and an at-fault accident could pay at least $3,630 or more
- The cost to insure a 16-year-old driver with full coverage can be $5,742 a year
Insurance rates for a Kia EV9 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.
Choosing high deductibles could save up to $890 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $222 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as low as $1,500 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $5,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at least $2,000 to $2,600 extra per year, depending on your age. High-risk driver insurance can cost from 45% to 134% more than average. View High Risk Driver Rates
Where you live 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 Vermont, Wisconsin, and North Carolina, or as much as $2,260 on average in Michigan, New York, and Florida.
| 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 so much variability in rates, the only way to figure out your exact price is to compare rates from multiple companies. Every company uses a different rate calculation, so the rates can be significantly different.
| 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 the Best Kia EV9 Insurance
Saving money on insurance for a Kia EV9 not only requires avoiding accidents and violations, but also having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at least once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The list below is a brief recap of the primary concepts that were raised in the charts and tables above.
- It is possible to save up to $220 per year simply by shopping early and online
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,960 more every year for car insurance
- Increasing deductibles could save as much as $875 each year
- Teenagers pay higher rates, costing up to $479 per month if they have full coverage
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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