Kia EV9 Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance prices for a Kia EV9 are $1,674 every 12 months including full coverage. Comprehensive costs approximately $444 each year, collision insurance costs $874, and liability costs $246. Liability-only insurance costs as little as $298 a year, and high-risk driver insurance costs around $3,630. 16-year-old 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

Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and EV9 models.

Price Range Variability

For a driver around age 40, Kia EV9 insurance rates range from the cheapest price of $298 for minimum levels of liability insurance to a high rate of $3,630 for a driver who requires high-risk insurance.

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

Urban vs. Rural Price Range

Your location can have significant affects on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic 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

The examples above highlight why all drivers should compare rates using their specific location and their own driving history, instead of using 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.

Additional Rate Details

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

  • The best full coverage rate is $913
  • Drivers who choose higher $1,000 deductibles will pay $298 every year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,674
  • Buying low deductibles for comprehensive and collision insurance increases the price to $2,260
  • Higher-risk drivers with multiple tickets or accidents could pay around $3,630
  • Policy cost to insure a teen driver can cost $5,742 a year

View Chart as Image

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

Auto insurance rates for a Kia EV9 also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your EV9.

Opting for high physical damage deductibles could save up to $890 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $222 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers 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 were responsible for an accident, you are likely paying anywhere from $2,000 to $2,600 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 45% to 134% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Kia EV9 insurance prices. A 40-year-old driver could pay as low as $1,280 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,390 on average in Louisiana, 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
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 Shop for Cheaper Kia EV9 Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to compare rates at every other renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a condensed summary of the concepts that were covered above.

  • Higher risk drivers with multiple at-fault accidents could be charged and average of $1,960 more per year to insure their EV9
  • Teen drivers have the highest car insurance rates, with premiums being up to $479 each month if comprehensive and collision insurance is included
  • You may be able to save around $220 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $875 each year
  • You may be able to save around $220 per year just by quoting online in advance

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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