Kia K900 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: Apr 5, 2024
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Average insurance prices for a Kia K900 are $1,342 every 12 months including full coverage. Comprehensive costs around $278 a year, collision costs $446, and liability insurance costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing around $2,896. 16-year-old drivers receive the highest rates at $5,088 a year or more.
Average premium for full coverage: $1,342
Rate estimates for individual coverage type:
Full coverage includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and K900 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $510 for just the minimum liability insurance to a high of $2,896 for coverage for higher-risk drivers.
Price Range by Location
Your location has a significant impact on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than congested cities.
The diagram below illustrates how your location can change auto insurance rates.
These examples highlight why it is important to compare rates for a specific zip code and their own driving history, 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 Analysis
The chart below breaks down estimated Kia K900 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $782
- Drivers who choose higher $1,000 deductibles will pay about $1,178 every year
- The average price for a 40-year-old driver using $500 deductibles is $1,342
- Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,660
- High risk drivers with multiple tickets or accidents could pay at least $2,896 or more
- The cost to insure a teen driver can be $5,088 a year
Auto insurance rates for a Kia K900 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles could save up to $490 each year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Kia K900 insurance rates. A 40-year-old driver could pay as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,920 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,214 | -$128 | -9.5% |
| Alaska | $1,030 | -$312 | -23.2% |
| Arizona | $1,114 | -$228 | -17.0% |
| Arkansas | $1,342 | -$0 | 0.0% |
| California | $1,530 | $188 | 14.0% |
| Colorado | $1,284 | -$58 | -4.3% |
| Connecticut | $1,380 | $38 | 2.8% |
| Delaware | $1,518 | $176 | 13.1% |
| Florida | $1,678 | $336 | 25.0% |
| Georgia | $1,240 | -$102 | -7.6% |
| Hawaii | $964 | -$378 | -28.2% |
| Idaho | $908 | -$434 | -32.3% |
| Illinois | $1,000 | -$342 | -25.5% |
| Indiana | $1,010 | -$332 | -24.7% |
| Iowa | $906 | -$436 | -32.5% |
| Kansas | $1,276 | -$66 | -4.9% |
| Kentucky | $1,832 | $490 | 36.5% |
| Louisiana | $1,986 | $644 | 48.0% |
| Maine | $828 | -$514 | -38.3% |
| Maryland | $1,108 | -$234 | -17.4% |
| Massachusetts | $1,074 | -$268 | -20.0% |
| Michigan | $2,332 | $990 | 73.8% |
| Minnesota | $1,124 | -$218 | -16.2% |
| Mississippi | $1,608 | $266 | 19.8% |
| Missouri | $1,192 | -$150 | -11.2% |
| Montana | $1,442 | $100 | 7.5% |
| Nebraska | $1,060 | -$282 | -21.0% |
| Nevada | $1,610 | $268 | 20.0% |
| New Hampshire | $968 | -$374 | -27.9% |
| New Jersey | $1,500 | $158 | 11.8% |
| New Mexico | $1,188 | -$154 | -11.5% |
| New York | $1,414 | $72 | 5.4% |
| North Carolina | $772 | -$570 | -42.5% |
| North Dakota | $1,098 | -$244 | -18.2% |
| Ohio | $928 | -$414 | -30.8% |
| Oklahoma | $1,380 | $38 | 2.8% |
| Oregon | $1,230 | -$112 | -8.3% |
| Pennsylvania | $1,280 | -$62 | -4.6% |
| Rhode Island | $1,792 | $450 | 33.5% |
| South Carolina | $1,216 | -$126 | -9.4% |
| South Dakota | $1,132 | -$210 | -15.6% |
| Tennessee | $1,176 | -$166 | -12.4% |
| Texas | $1,618 | $276 | 20.6% |
| Utah | $994 | -$348 | -25.9% |
| Vermont | $918 | -$424 | -31.6% |
| Virginia | $804 | -$538 | -40.1% |
| Washington | $1,038 | -$304 | -22.7% |
| West Virginia | $1,230 | -$112 | -8.3% |
| Wisconsin | $928 | -$414 | -30.8% |
| Wyoming | $1,196 | -$146 | -10.9% |
With so much variability in rates, the best way to figure out your exact price is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and quoted rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Kia K900 | $336 | $618 | $442 | $1,554 |
| 2020 Kia K900 | $324 | $574 | $452 | $1,508 |
| 2019 Kia K900 | $310 | $540 | $456 | $1,464 |
| 2018 Kia K900 | $298 | $484 | $460 | $1,400 |
| 2017 Kia K900 | $278 | $446 | $460 | $1,342 |
| 2016 Kia K900 | $268 | $418 | $464 | $1,308 |
Rates are averaged for all Kia K900 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for More Affordable Kia K900 Insurance
Saving money on Kia K900 insurance not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and maximizing policy discounts. Invest the time to shop around at least once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The items below are a summary of the primary concepts that were illustrated above.
- You may be able to save up to $160 per year simply by quoting early and online
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,550 more every year to insure their K900
- Increasing deductibles could save as much as $475 each year
- Teen drivers are expensive to insure, as much as $424 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,088 |
| 20 | $3,078 |
| 30 | $1,390 |
| 40 | $1,342 |
| 50 | $1,226 |
| 60 | $1,202 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,660 |
| $250 | $1,512 |
| $500 | $1,342 |
| $1,000 | $1,178 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,342 |
| 50/100 | $1,434 |
| 100/300 | $1,549 |
| 250/500 | $1,848 |
| 100 CSL | $1,480 |
| 300 CSL | $1,733 |
| 500 CSL | $1,917 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,236 |
| 20 | $4,900 |
| 30 | $2,952 |
| 40 | $2,896 |
| 50 | $2,766 |
| 60 | $2,740 |
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 | $71 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $95 |
| Total Discounts | $560 |
Discounts are estimated and may not be available from every company or in every state.
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