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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U.S. average insurance prices for a Kia EV9 are $1,674 every 12 months with full coverage. Comprehensive insurance costs around $444, collision costs $874, and liability insurance is estimated at $246. Liability-only insurance costs approximately $298 a year, with high-risk driver insurance costing $3,630 or more. Teens pay the highest rates at $5,742 a year or more.
Average premium for full coverage: $1,674
Price estimates for individual coverage:
Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different EV9 trim levels.
Price Range from Low to High
For an average driver, Kia EV9 insurance prices go from the cheapest price of $298 for basic liability insurance to a much higher rate of $3,630 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city has a significant impact on insurance rates. Areas with sparse population have more infrequent collision claims than cities with more traffic congestion.
The price range example below illustrates the effect of geographic area on auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than relying on averaged prices.
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 details estimated Kia EV9 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $913
- Choosing higher $1,000 deductibles can save about $298 annually
- The average price for the average middle-age driver using $500 deductibles is $1,674
- Selecting more expensive low deductibles for comp and collision coverage costs an extra $586 a year
- High-risk insureds with serious driving violations could pay at least $3,630 or more
- The price to insure a teen driver with full coverage can be $5,742 each year
Car insurance prices for a Kia EV9 are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $890 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $222 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $5,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $2,000 to $2,600 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 134% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Kia EV9 insurance rates. A good driver about age 40 could pay as low as $1,210 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,260 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out your exact price is to compare prices from as many companies as possible. Each auto insurer calculates prices differently, so rate quotes may be quite 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 More Affordable Kia EV9 Insurance
Getting lower rates on Kia EV9 insurance takes being safe and accident-free, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every other policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a summary of the ideas that were covered in the above illustrations.
- Youthful drivers are the costliest to insure, costing up to $479 a month if the policy includes full coverage
- High-risk drivers who have multiple accidents or major violations pay on average $1,960 more every year than a low-risk driver
- Increasing physical damage deductibles could save as much as $875 each year
- You may be able to save up to $220 per year simply by shopping early and online
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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