Kia EV9 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Kia EV9 are $1,674 annually for full coverage insurance. Comprehensive insurance costs around $444 a year, collision insurance costs $874, and liability insurance is estimated at $246. Liability-only coverage costs approximately $298 a year, and high-risk coverage costs $3,630 or more. Teen drivers cost the most to insure at up to $5,742 a year.
Average premium for full coverage: $1,674
Policy rates for type of insurance:
Price estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and EV9 trim levels.
Price Range Variability
For the average 40-year-old driver, Kia EV9 insurance rates range from as cheap as $298 for a discount liability-only rate to a high of $3,630 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance rates.
The examples above illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, rather than relying on price 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 illustrates average Kia EV9 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $913
- Choosing higher $1,000 deductibles can save about $1,376 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,674
- Choosing low $100 deductibles for comp and collision coverage costs an additional $586 a year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $3,630
- Policy cost with full coverage for a teen driver can be $5,742 each year
Insurance rates for a Kia EV9 also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $2,000 to $2,600 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $890 each year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $222 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Kia EV9 insurance rates. A good driver about age 40 could pay as low as $1,090 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,260 on average in Michigan, New York, and Florida.
| 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% |
| 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 Cheaper Kia EV9 Insurance
Finding cheaper rates on Kia EV9 insurance takes being a good driver, having good credit, being claim-free, and deciding if full coverage is necessary. Make time to compare rates every couple of years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a condensed summary of the material that was touched on in this article.
- Drivers who may need an increased level of liability coverage will pay about $270 annually to raise limits from a 30/60 limit to higher 250/500 limits
- Drivers age 16 to 20 are charged the highest rates, possibly costing $479 each month if they have full coverage
- High-risk drivers with multiple at-fault accidents pay on average $1,960 more every year than a safer driver
- Increasing comprehensive and collision deductibles could save up to $875 each year
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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