Kia EV9 Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Kia EV9 are $1,674 a year with full coverage. Comprehensive costs approximately $444 a year, collision costs $874, and liability insurance is $246. Liability-only coverage costs around $298 a year, with high-risk coverage costing around $3,630. 16-year-old drivers pay the most at $5,742 a year or more.

Average premium for full coverage: $1,674

Premium estimates by type of coverage:

Comprehensive $444
Collision $874
Liability $246

Prices include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and EV9 trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Kia EV9 go from as low as $298 for just liability insurance to a high of $3,630 for high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than congested cities.

The diagram below illustrates how where you live affects auto insurance prices.

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

These rate differences demonstrate why it is important to compare rates quotes using their specific location and risk profile, rather than relying 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.

More Rate Details

The chart below details 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 $1,376 annually
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,674
  • Buying low $100 deductibles will increase the cost to $2,260
  • Higher-risk drivers with multiple tickets or accidents could pay around $3,630 or more
  • An auto insurance policy for full coverage for a teen driver 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 prices for a Kia EV9 also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,700 a year. View Rates by Age

Where you choose to live also has a big influence on Kia EV9 insurance rates. A middle-age driver might find prices as low as $1,210 a year in states like Utah, Ohio, and New Hampshire, or at least $2,260 on average in New York, Michigan, and Florida.

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

Opting for high physical damage deductibles can reduce prices by up to $890 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $222 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $2,000 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 134% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices will be substantially 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 Right Kia EV9 Insurance

Finding better rates on Kia EV9 insurance consists of avoiding accidents and claims, maintaining good credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop every couple of years by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a quick rundown of the material that was touched on in the above illustrations.

  • Drivers who purchase increased liability limits will pay around $270 every year to raise from 30/60 bodily injury limits to 250/500 limits
  • Drivers under the age of 20 are expensive to insure, possibly costing $479 per month for full coverage
  • High-risk drivers with reckless driving or DUI convictions pay on average $1,960 more per year to insure a Kia EV9
  • Increasing policy deductibles can save around $875 each year

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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