Kia EV9 Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Kia EV9 are $1,674 a year for full coverage. Comprehensive costs approximately $444 each year, collision costs $874, and liability is estimated at $246. Buying just liability costs approximately $298 a year, with insurance for high-risk drivers costing around $3,630. Teenage drivers pay the highest rates at $5,742 a year or more.

Average premium for full coverage: $1,674

Price estimates by individual coverage:

Comprehensive $444
Collision $874
Liability $246

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and EV9 models.

Price Range from Low to High

For the normal driver, Kia EV9 insurance prices go from the low end price of $298 for just liability insurance to a high rate of $3,630 for a high-risk driver policy.

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

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance prices.

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

The ranges above show why all drivers should get quotes using their specific location, instead of using 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.

More Rate Details

The chart below shows estimated Kia EV9 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $913
  • Choosing higher $1,000 deductibles can save $298 a year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,674
  • Using low deductibles for comp and collision coverage bumps up the cost to $2,260
  • Unlucky drivers who are prone to accidents and violations could pay around $3,630 or more
  • The price that insures a teen driver can cost $5,742 each year

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 are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $2,000 to $2,600 additional each year, depending on your age. Insurance for high-risk drivers ranges as much as 45% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age

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 $1,100 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,390 on average in New York, Louisiana, and Michigan.

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 save as much as $890 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $222 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer uses a different method to calculate prices, and prices may be quite different.

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 Cheap Kia EV9 Insurance

Getting lower rates on car insurance takes avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare prices every time your policy renews by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The list below is a brief summary of the information presented in the illustrations above.

  • Drivers can save around $220 per year simply by quoting online in advance
  • Teenagers are the costliest to insure, with premiums as much as $479 a month if comprehensive and collision insurance is included
  • Increasing physical damage deductibles can save approximately $875 each year
  • Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,960 more per year for car insurance
  • Policyholders who purchase higher liability limits will pay an extra $270 each year to raise limits from a low limit to the 250/500 level

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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