Kia EV9 Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Kia EV9 are $1,674 a year for full coverage insurance. Comprehensive costs approximately $444, 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. Teen drivers receive the highest rates at $5,742 a year or more.

Average premium for full coverage: $1,674

Rate estimates by individual coverage type:

Comprehensive $444
Collision $874
Liability $246

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all EV9 models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as low as $298 for basic liability insurance to the much higher price of $3,630 for a driver required to buy high-risk insurance.

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

Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

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

These examples illustrate why everyone should compare rates quotes using their specific location and risk profile, rather than 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.

Rate Comparisons

The chart below illustrates estimated 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 each year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,674
  • Choosing pricier low deductibles will increase the cost to $2,260
  • Unlucky drivers with multiple violations and an at-fault accident could pay around $3,630 or more
  • The cost for full coverage for a teenage driver for full coverage can cost $5,742

View Chart as Image

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

Insurance rates for a Kia EV9 can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $5,700 a year. View Rates by Age

Where you live also has a big influence on Kia EV9 insurance rates. A middle-age driver might find rates as low as $1,090 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,260 on average in Florida, New York, and Michigan.

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

Choosing high deductibles can reduce rates by up to $890 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $222 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $2,000 to $2,600 extra per year, depending on your age. Kia EV9 insurance for high-risk drivers is expensive and can cost around 45% to 134% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.

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 Find the Best Kia EV9 Insurance

Saving money on auto insurance consists of being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by requesting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the data covered above.

  • Consumers who purchase more liability protection will pay about $270 annually to raise from a minimum limit to 250/500 limits
  • It is possible to save around $220 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles can save around $875 each year
  • Youthful drivers are expensive to insure, costing up to $479 per month for full coverage

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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