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 auto insurance rates for a Kia EV9 are $1,674 annually including full coverage. Comprehensive insurance costs on average $444, collision costs $874, and liability is estimated at $246. Buying just liability costs approximately $298 a year, with insurance for high-risk drivers costing $3,630 or more. 16-year-old drivers pay the highest rates at $5,742 a year or more.
Average premium for full coverage: $1,674
Price estimates by individual coverage:
Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for different EV9 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Kia EV9 insurance prices go from as cheap as $298 for minimum levels of liability insurance to a much higher rate of $3,630 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. Rural areas have fewer comprehensive and collision claims than congested cities.
The price range example below illustrates how rural and urban location affects car insurance rates.
The ranges above highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, 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 estimated Kia EV9 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $913
- Choosing higher $1,000 deductibles can save around $298 every year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,674
- Buying more expensive low deductibles for comp and collision coverage costs an additional $586 every year
- Unlucky drivers with multiple tickets or accidents could pay upwards of $3,630 or more
- The price with full coverage for a teen driver with full coverage may cost $5,742 each year
Insurance prices for a Kia EV9 are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,500 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $2,000 to $2,600 additional each year, depending on your age. High-risk driver insurance ranges as much as 45% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $890 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $222 more each year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Kia EV9 insurance prices. A good driver about age 40 could pay as low as $1,280 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,390 on average in Michigan, New York, and Louisiana.
| 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 figure out exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, and prices may be quite different between companies.
| 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 Low Cost Kia EV9 Insurance
Getting lower rates on car insurance takes being a safe and courteous driver, having good credit, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around at least once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a review of the primary concepts that were raised in the charts and tables above.
- You may be able to save as much as $220 per year simply by shopping early and online
- Higher risk drivers who have several accidents or serious violations pay on average $1,960 more each year for auto insurance
- Increasing physical damage deductibles could save up to $875 each year
- Teenage drivers pay higher prices, possibly costing $479 a month if they have full coverage
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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