Kia EV9 Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a Kia EV9 are $1,674 annually for full coverage insurance. Comprehensive costs around $444, collision insurance costs $874, and liability insurance costs $246. A policy with only liability insurance costs as little as $298 a year, and a high-risk policy costs around $3,630. 16-year-old drivers pay the most at up to $5,742 a year.
Average premium for full coverage: $1,674
Premium estimates for type of coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all EV9 models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Kia EV9 range from as cheap as $298 for minimum levels of liability insurance to the much higher price of $3,630 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than congested cities. The example below illustrates the difference location can make on auto insurance rates.
These rate differences illustrate why everyone should compare rates for a specific zip code and their own personal driving habits, 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.
Additional Rate Details
The chart below illustrates average Kia EV9 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $913
- Drivers who choose higher $1,000 deductibles will pay about $298 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,674
- Buying pricier low deductibles for comprehensive and collision insurance will cost $2,260
- High risk drivers with multiple tickets or accidents could pay at least $3,630
- An auto insurance policy with full coverage for a teen driver for full coverage can be $5,742 a year
Car insurance prices for a Kia EV9 also have a wide range based on the model of your EV9, your risk profile, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at least $2,000 to $2,600 extra annually, depending on your age. Kia EV9 insurance for high-risk drivers can cost anywhere from 45% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $890 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $222 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Kia EV9 insurance rates. A 40-year-old driver could pay as low as $1,090 a year in states like Vermont, Wisconsin, and North Carolina, or at least $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 Low Cost Kia EV9 Insurance
Finding better rates on Kia EV9 insurance not only requires having a decent driving record, but also having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Make time to compare rates at every policy renewal by getting rate quotes from direct insurance companies, and also from several local insurance agents.
The following items are a review of the data touched on in this article.
- Drivers who may need additional liability coverage will pay around $270 annually to go from 30/60 bodily injury limits to higher 250/500 limits
- It is possible to save up to $220 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $875 each year
- 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $479 per month if comprehensive and collision insurance is included
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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