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 costs on average $444, collision costs $874, and liability is $246. Liability-only coverage costs around $298 a year, with high-risk coverage costing around $3,630. 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:
Prices include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all EV9 models.
Price Range from Low to High
For the average 40-year-old driver, Kia EV9 insurance prices go from as cheap as $298 for liability-only coverage to the much higher price of $3,630 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have fewer comprehensive and collision claims than congested cities.
The example below illustrates the difference location can make on car insurance rates.
The ranges above highlight why everyone should compare rates 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 Charts and Tables
The chart below breaks down estimated Kia EV9 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $913
- Raising to $1,000 deductibles will save around $298 every year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,674
- Buying pricier low deductibles will cost $2,260
- At-risk drivers with multiple tickets or accidents could pay upwards of $3,630 or more
- The price with full coverage for a teen driver for full coverage may cost $5,742
Auto 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.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have 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 in extra premium each year, depending on your age. Kia EV9 insurance for high-risk drivers is expensive and can cost as much as 45% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $890 every year, whereas buying more liability protection 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 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Kia EV9 insurance prices. A middle-age driver might find prices 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 regularly compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, and quoted 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 the Right Kia EV9 Insurance
Getting lower rates on car insurance consists of avoiding accidents and claims, having above-average credit, being claim-free, and taking advantage of discounts. Make time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a quick rundown of the material that was touched on in this article.
- Policyholders who require increased liability limits will pay around $270 per year to raise from a low limit to higher 250/500 limits
- Drivers under the age of 20 are charged the highest prices, possibly costing $479 a month if full coverage is included
- Higher risk drivers with reckless driving or DUI convictions pay on average $1,960 more each year to insure a Kia EV9
- Increasing physical damage 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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