Kia K900 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 5, 2024

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The average insurance rates for a Kia K900 are $1,400 a year for full coverage insurance. Comprehensive insurance costs around $298, collision insurance costs $484, and liability costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs $3,024 or more. Teenage drivers cost the most to insure at up to $5,268 a year.

Average premium for full coverage: $1,400

Policy rates for type of insurance:

Comprehensive $298
Collision $484
Liability $460

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all K900 models.

Price Range Variability

For a 40-year-old driver, Kia K900 insurance rates range from the low end price of $510 for just the minimum liability insurance to the much higher price of $3,024 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,400
High Risk $3,024

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how your location can change auto insurance rates.

Rural Areas $1,050
Small Cities $1,470
Large Cities $1,890

The examples above illustrate why everyone should compare prices for a specific zip code, instead of making a decision based on 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.

Additional Rate Analysis

The chart below illustrates average Kia K900 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $812
  • Using higher $1,000 deductibles will save about $178 each year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,400
  • Using pricier low deductibles for physical damage coverage will cost an additional $344 annually
  • High-risk insureds who are prone to accidents and violations could pay at least $3,024
  • Policy cost that insures a 16-year-old driver for full coverage can be $5,268 or more

View Chart as Image

Kia K900 insurance cost comparison chart
Column chart showing Kia K900 insurance prices range from $812 to $5,268 for full coverage

Car insurance rates for a Kia K900 also range considerably based on the model of your K900, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,700 to $2,300 extra every year, depending on your age. Kia K900 insurance for high-risk drivers can be from 44% to 136% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $5,200 a year. View Rates by Age

Your home state has a huge impact on Kia K900 insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,890 on average in Michigan, New York, and Florida.

Kia K900 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,268 -$132 -9.4%
Alaska $1,074 -$326 -23.3%
Arizona $1,164 -$236 -16.9%
Arkansas $1,400 -$0 0.0%
California $1,596 $196 14.0%
Colorado $1,338 -$62 -4.4%
Connecticut $1,440 $40 2.9%
Delaware $1,584 $184 13.1%
Florida $1,752 $352 25.1%
Georgia $1,292 -$108 -7.7%
Hawaii $1,006 -$394 -28.1%
Idaho $948 -$452 -32.3%
Illinois $1,044 -$356 -25.4%
Indiana $1,054 -$346 -24.7%
Iowa $946 -$454 -32.4%
Kansas $1,330 -$70 -5.0%
Kentucky $1,912 $512 36.6%
Louisiana $2,072 $672 48.0%
Maine $864 -$536 -38.3%
Maryland $1,156 -$244 -17.4%
Massachusetts $1,122 -$278 -19.9%
Michigan $2,434 $1,034 73.9%
Minnesota $1,174 -$226 -16.1%
Mississippi $1,676 $276 19.7%
Missouri $1,242 -$158 -11.3%
Montana $1,504 $104 7.4%
Nebraska $1,104 -$296 -21.1%
Nevada $1,680 $280 20.0%
New Hampshire $1,010 -$390 -27.9%
New Jersey $1,566 $166 11.9%
New Mexico $1,242 -$158 -11.3%
New York $1,476 $76 5.4%
North Carolina $806 -$594 -42.4%
North Dakota $1,146 -$254 -18.1%
Ohio $968 -$432 -30.9%
Oklahoma $1,440 $40 2.9%
Oregon $1,282 -$118 -8.4%
Pennsylvania $1,336 -$64 -4.6%
Rhode Island $1,870 $470 33.6%
South Carolina $1,268 -$132 -9.4%
South Dakota $1,182 -$218 -15.6%
Tennessee $1,226 -$174 -12.4%
Texas $1,688 $288 20.6%
Utah $1,036 -$364 -26.0%
Vermont $960 -$440 -31.4%
Virginia $838 -$562 -40.1%
Washington $1,084 -$316 -22.6%
West Virginia $1,282 -$118 -8.4%
Wisconsin $970 -$430 -30.7%
Wyoming $1,250 -$150 -10.7%

View Chart as Image

Kia K900 insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $530 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Kia K900 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Kia K900 $356 $640 $430 $1,584
2020 Kia K900 $336 $618 $442 $1,554
2019 Kia K900 $324 $574 $452 $1,508
2018 Kia K900 $310 $540 $456 $1,464
2017 Kia K900 $298 $484 $460 $1,400
2016 Kia K900 $278 $446 $460 $1,342

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 Find Cheap Kia K900 Insurance

Finding cheaper rates on insurance for a Kia K900 requires having a good driving record, having a positive credit history, being claim-free, and consideration of higher deductibles. Compare prices at least every other year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a brief summary of the car insurance concepts illustrated above.

  • Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,620 more every year to buy Kia K900 insurance
  • It is possible to save up to $170 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save approximately $525 each year
  • Insureds who may need increased levels of liability coverage will pay an extra $510 annually to increase from a 30/60 limit to the 250/500 level

Rates by Driver Age

Kia K900 Insurance Rates by Driver Age
Driver Age Premium
16 $5,268
20 $3,212
30 $1,454
40 $1,400
50 $1,280
60 $1,254

Full coverage, $500 deductibles

Rates by Deductible

Kia K900 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,744
$250 $1,584
$500 $1,400
$1,000 $1,222

Full coverage, driver age 40

Rates by Liability Limit

Kia K900 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,400
50/100 $1,492
100/300 $1,607
250/500 $1,906
100 CSL $1,538
300 CSL $1,791
500 CSL $1,975

Full coverage, driver age 40

Rates for High Risk Drivers

Kia K900 Insurance Rates for High Risk Drivers
Age Premium
16 $7,504
20 $5,114
30 $3,084
40 $3,024
50 $2,888
60 $2,862

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 $193

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $75
Multi-vehicle $74
Homeowner $22
5-yr Accident Free $99
5-yr Claim Free $90
Paid in Full/EFT $61
Advance Quote $68
Online Quote $99
Total Discounts $588
Rate after discounts $812

Discounts are estimated and may not be available from every company or in every state.

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