Kia EV9 Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance rates for a Kia EV9 are $1,674 a year including full coverage. Comprehensive insurance costs around $444, collision costs $874, and liability insurance is $246. Liability-only coverage costs around $298 a year, with high-risk coverage costing $3,630 or more. Teenage drivers cost the most to insure at $5,742 a year or more.

Average premium for full coverage: $1,674

Policy rates for type of insurance:

Comprehensive $444
Collision $874
Liability $246

Prices include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all EV9 models.

Price Range Variability

For a driver in their 40's, Kia EV9 insurance rates go from the low end price of $298 for just the minimum liability insurance to the much higher price of $3,630 for high-risk insurance.

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

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how location helps determine auto insurance rates.

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

The examples above highlight why everyone should compare rates quotes for a specific zip code, rather than relying on average rates.

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 Analysis

The chart below breaks down estimated Kia EV9 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $913
  • Raising to $1,000 deductibles will save about $298 every year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,674
  • Using pricier low deductibles will cost an additional $586 a year
  • Higher-risk drivers who are prone to accidents and violations could pay at least $3,630 or more
  • Policy cost that insures a teen driver for full coverage can be $5,742

View Chart as Image

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

Insurance rates for a Kia EV9 also range considerably based on the model of your EV9, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $2,000 to $2,600 additional every year, depending on your age. Kia EV9 insurance for high-risk drivers is expensive and can cost anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,700 a year. View Rates by Age

Your home state also has a big influence on Kia EV9 insurance rates. A middle-age driver might find rates as low as $1,280 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,390 on average in Michigan, New York, and Louisiana.

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

Using high physical damage deductibles can reduce rates by up to $890 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $222 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

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 cheaper rates on Kia EV9 insurance consists of avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare prices every couple of years by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a quick rundown of the material that was covered in the charts and tables above.

  • Drivers who may need increased liability limits will pay an extra $270 per year to raise from a 30/60 limit to the 250/500 level
  • Drivers under the age of 20 are charged the highest rates, with premiums being up to $479 each month if comprehensive and collision insurance is included
  • High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,960 more every year to insure a Kia EV9
  • Increasing comprehensive and collision deductibles can save approximately $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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