Kia EV9 Insurance Rates

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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 with full coverage. Comprehensive insurance costs approximately $444, collision insurance costs $874, and liability is $246. Liability-only insurance costs around $298 a year, and high-risk driver insurance costs $3,630 or more. Teen drivers cost the most to insure at up to $5,742 a year.

Average premium for full coverage: $1,674

Policy rates by type of insurance:

Comprehensive $444
Collision $874
Liability $246

Rate estimates include $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different EV9 trim levels.

Price Range Variability

For a driver in their 40's, Kia EV9 insurance rates range from as cheap as $298 for a discount liability-only rate to a much higher rate of $3,630 for high-risk insurance.

Liability Only $298
Full Coverage $1,674
High Risk $3,630

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance prices.

Rural Areas $1,256
Small Cities $1,758
Large Cities $2,260

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of using 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.

Rates by State, City, and Model

The chart below details average Kia EV9 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $913
  • Raising to $1,000 deductibles will save $298 annually
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,674
  • Choosing more expensive low deductibles costs an additional $586 every year
  • At-risk drivers with multiple violations and an at-fault accident could pay around $3,630
  • Policy cost with full coverage for a teen driver with full coverage can cost $5,742

View Chart as Image

Kia EV9 insurance cost comparison chart
Column chart showing Kia EV9 insurance prices range from $913 to $5,742 for full coverage

Auto insurance rates for a Kia EV9 also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, 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 points on your driving record or you caused a few accidents, you may be forking out anywhere from $2,000 to $2,600 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $890 every year, while increasing your policy's liability limits will push rates upward. Moving 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 $1,210 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,260 on average in New York, Michigan, and Florida.

Kia EV9 Insurance Rates by State
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%

View Chart as Image

Kia EV9 insurance rates by U.S. city
Kia EV9 Insurance Rates by Model Year
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 the Best Kia EV9 Insurance

Finding cheaper rates on car insurance consists of having a good driving record, having above-average credit, not filing small claims, and possibly higher deductibles. Invest time comparing rates every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief recap of the material that was covered in the charts and tables above.

  • Policyholders who purchase increased levels of liability coverage will pay about $270 every year to raise from a 30/60 limit to higher 250/500 limits
  • Drivers age 20 and younger have the highest car insurance rates, as much as $479 each month if full coverage is included
  • Higher risk drivers who tend to receive serious violations may pay on average $1,960 more per year to buy Kia EV9 insurance
  • Increasing comprehensive and collision deductibles could save up to $875 each year

Rates by Driver Age

Kia EV9 Insurance 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

Kia EV9 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,260
$250 $1,988
$500 $1,674
$1,000 $1,376

Full coverage, driver age 40

Rates by Liability Limit

Kia EV9 Insurance Rates with Different Liability Limits
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

Kia EV9 Insurance 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.

SR-22 Surcharge $241

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
Rate after discounts $913

Discounts are estimated and may not be available from every company or in every state.

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