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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Estimated insurance rates for a Kia K900 are $1,464 a year including full coverage. Comprehensive insurance costs around $310 a year, collision insurance costs $540, and liability costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs $3,172 or more. Teens pay the most at up to $5,484 a year.

Average premium for full coverage: $1,464

Premium estimates for type of coverage:

Comprehensive $310
Collision $540
Liability $456

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and K900 trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Kia K900 range from the low end price of $508 for just liability coverage to a high of $3,172 for a driver who requires high-risk insurance.

Liability Only $508
Full Coverage $1,464
High Risk $3,172

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance rates.

Rural Areas $1,098
Small Cities $1,537
Large Cities $1,976

These rate differences highlight why it is important to compare prices for a specific zip code, instead of making a decision based on averaged prices.

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.

Detailed Rate Analysis

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

  • The cheapest rate after discounts is $843
  • Using higher $1,000 deductibles will save about $1,272 every year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,464
  • Selecting low $100 deductibles for physical damage coverage will cost an additional $376 annually
  • High-risk insureds with serious driving violations could pay at least $3,172
  • An auto insurance policy that insures a 16-year-old driver can be $5,484 or more

View Chart as Image

Kia K900 insurance cost comparison chart
Column chart showing Kia K900 insurance prices range from $843 to $5,484 for full coverage

Insurance prices for a Kia K900 also have a wide range based on the trim level of your K900, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,700 to $2,400 additional annually, depending on your age. A high-risk auto insurance policy can be from 44% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,400 a year. View Rates by Age

Where you choose to live has a huge impact on Kia K900 insurance prices. A driver around age 40 might see prices as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,090 on average in Michigan, New York, and Louisiana.

Kia K900 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,324 -$140 -9.6%
Alaska $1,124 -$340 -23.2%
Arizona $1,216 -$248 -16.9%
Arkansas $1,464 -$0 0.0%
California $1,670 $206 14.1%
Colorado $1,400 -$64 -4.4%
Connecticut $1,508 $44 3.0%
Delaware $1,660 $196 13.4%
Florida $1,834 $370 25.3%
Georgia $1,352 -$112 -7.7%
Hawaii $1,054 -$410 -28.0%
Idaho $990 -$474 -32.4%
Illinois $1,092 -$372 -25.4%
Indiana $1,104 -$360 -24.6%
Iowa $988 -$476 -32.5%
Kansas $1,392 -$72 -4.9%
Kentucky $2,000 $536 36.6%
Louisiana $2,168 $704 48.1%
Maine $906 -$558 -38.1%
Maryland $1,208 -$256 -17.5%
Massachusetts $1,172 -$292 -19.9%
Michigan $2,546 $1,082 73.9%
Minnesota $1,226 -$238 -16.3%
Mississippi $1,756 $292 19.9%
Missouri $1,300 -$164 -11.2%
Montana $1,574 $110 7.5%
Nebraska $1,154 -$310 -21.2%
Nevada $1,756 $292 19.9%
New Hampshire $1,056 -$408 -27.9%
New Jersey $1,638 $174 11.9%
New Mexico $1,298 -$166 -11.3%
New York $1,544 $80 5.5%
North Carolina $844 -$620 -42.3%
North Dakota $1,198 -$266 -18.2%
Ohio $1,010 -$454 -31.0%
Oklahoma $1,504 $40 2.7%
Oregon $1,342 -$122 -8.3%
Pennsylvania $1,398 -$66 -4.5%
Rhode Island $1,954 $490 33.5%
South Carolina $1,328 -$136 -9.3%
South Dakota $1,236 -$228 -15.6%
Tennessee $1,282 -$182 -12.4%
Texas $1,764 $300 20.5%
Utah $1,086 -$378 -25.8%
Vermont $1,004 -$460 -31.4%
Virginia $878 -$586 -40.0%
Washington $1,134 -$330 -22.5%
West Virginia $1,342 -$122 -8.3%
Wisconsin $1,014 -$450 -30.7%
Wyoming $1,306 -$158 -10.8%

View Chart as Image

Kia K900 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $570 annually, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

Kia K900 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Kia K900 $368 $668 $416 $1,610
2020 Kia K900 $356 $640 $430 $1,584
2019 Kia K900 $336 $618 $442 $1,554
2018 Kia K900 $324 $574 $452 $1,508
2017 Kia K900 $310 $540 $456 $1,464
2016 Kia K900 $298 $484 $460 $1,400

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 the Best Cheap Kia K900 Insurance

Finding better rates on insurance for a Kia K900 requires being a good driver, having a good credit score, refrain from filing small claims, and deciding if full coverage is necessary. Compare rates at every other renewal by quoting rates from direct car insurance companies, and also from local insurance agencies.

The following list is a quick review of the concepts that were illustrated above.

  • Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,710 more every year than a safer driver
  • Drivers age 16 to 20 are charged the highest prices, with the cost nearing $457 per month if comprehensive and collision insurance is included
  • You may be able to save up to $180 per year just by quoting early and online
  • Increasing policy deductibles can save approximately $575 each year
  • You may be able to save up to $180 per year just by quoting early and online

Rates by Driver Age

Kia K900 Insurance Rates by Driver Age
Driver Age Premium
16 $5,484
20 $3,374
30 $1,526
40 $1,464
50 $1,338
60 $1,312

Full coverage, $500 deductibles

Rates by Deductible

Kia K900 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,840
$250 $1,666
$500 $1,464
$1,000 $1,272

Full coverage, driver age 40

Rates by Liability Limit

Kia K900 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,464
50/100 $1,555
100/300 $1,669
250/500 $1,966
100 CSL $1,601
300 CSL $1,852
500 CSL $2,034

Full coverage, driver age 40

Rates for High Risk Drivers

Kia K900 Insurance Rates for High Risk Drivers
Age Premium
16 $7,828
20 $5,374
30 $3,238
40 $3,172
50 $3,028
60 $3,002

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 $205

Potential Rate Discounts

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

Discount Savings
Multi-policy $78
Multi-vehicle $77
Homeowner $22
5-yr Accident Free $107
5-yr Claim Free $95
Paid in Full/EFT $66
Advance Quote $72
Online Quote $104
Total Discounts $621
Rate after discounts $843

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

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