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 with full coverage. Comprehensive costs around $444, collision insurance costs $874, and liability insurance is $246. Liability-only coverage costs around $298 a year, and high-risk coverage costs around $3,630. 16-year-old 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:

Comprehensive $444
Collision $874
Liability $246

These estimates include $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different EV9 trim levels.

Price Range Variability

For a driver in their 40's, Kia EV9 insurance rates range from as low as $298 for liability-only coverage to a much higher rate of $3,630 for a high-risk driver policy.

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 insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities. The price range 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 demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, 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 Charts and Tables

The chart below details average Kia EV9 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $913
  • Raising to $1,000 deductibles will save about $298 annually
  • The average rate for a good driver age 40 using $500 deductibles is $1,674
  • Buying more expensive low deductibles will increase the cost to $2,260
  • Higher-risk drivers with multiple tickets or accidents could pay at least $3,630
  • Policy cost for full coverage for a teen driver with full coverage can be $5,742

View Chart as Image

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

Insurance rates for a Kia EV9 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers 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 $1,210 a year in states like New Hampshire, Ohio, and Utah, or at least $2,260 on average in Florida, Michigan, and New York.

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

Opting for high physical damage deductibles can reduce rates by up to $890 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $222 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $2,000 to $2,600 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 134% more than the average rate. View High Risk Driver Rates

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

Finding cheaper rates on Kia EV9 insurance consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates every time your policy renews by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a brief summary of the information covered in the charts and tables above.

  • You may be able to save up to $220 per year just by shopping early and online
  • Teens are charged the highest rates, as much as $479 each month including comprehensive and collision insurance
  • Increasing comprehensive and collision deductibles can save around $875 each year
  • High-risk drivers that tend to have accidents or serious violations pay an average of $1,960 more every year for EV9 insurance
  • Drivers who may need higher liability limits will pay around $270 every year to raise from a 30/60 limit to 250/500 limits

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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