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. Comprehensive insurance costs approximately $444 each year, collision costs $874, and liability is $246. A liability-only policy costs around $298 a year, with high-risk insurance costing $3,630 or more. 16-year-old 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:
Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and EV9 models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $298 for a discount liability-only rate to a high rate of $3,630 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities.
The graphic below illustrates how geographic area affects auto insurance prices.
These examples show why all drivers should compare rates quotes using their specific location and their own driving history, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below shows 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 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,674
- Buying low deductibles costs an extra $586 annually
- Drivers with multiple tickets or accidents could pay around $3,630 or more
- The cost to insure a 16-year-old driver can cost $5,742
Insurance rates for a Kia EV9 can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your EV9.
Opting for high physical damage deductibles can reduce rates by up to $890 annually, whereas increasing liability limits will push rates upward. Going 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
More mature drivers with a clean driving record and higher deductibles may pay as low as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $5,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $2,000 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 134% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Kia EV9 insurance prices. A middle-age driver might find rates as low as $1,100 a year in states like Iowa, Maine, and Idaho, or at least $2,390 on average in New York, Louisiana, 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 so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, 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 Cheaper Kia EV9 Insurance
Saving money on insurance for a Kia EV9 consists of avoiding accidents and violations, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The list below is a condensed summary of the information presented in the illustrations above.
- Drivers can save around $220 per year simply by quoting online in advance
- Teenagers are expensive to insure, costing as high as $479 per month if they have full coverage
- Increasing deductibles could save as much as $875 each year
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,960 more per year for car insurance
- Insureds who purchase higher liability limits will pay around $270 each year to raise from a minimum limit to a 250/500 level
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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