Kia K900 Insurance Rates

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The average insurance rates for a Kia K900 are $978 a year including full coverage. Comprehensive costs around $172, collision costs $206, and liability insurance is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $2,092. Teens cost the most to insure at $3,908 a year or more.

Average premium for full coverage: $978

Policy rates for type of insurance:

Comprehensive $172
Collision $206
Liability $442

These estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all K900 models.

Price Range Variability

Using a 40-year-old driver as an example, Kia K900 insurance rates go from as low as $496 for basic liability insurance to the much higher price of $2,092 for a high-risk insurance policy.

Liability Only $496
Full Coverage $978
High Risk $2,092

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $734
Small Cities $1,027
Large Cities $1,320

The examples above highlight why everyone should get quotes for a specific zip code and risk profile, rather than relying 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.

Rate Comparisons

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

  • The cheapest rate after discounts is $599
  • Choosing higher $1,000 deductibles can save about $88 every year
  • The average rate for a good driver age 40 using $500 deductibles is $978
  • Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,140
  • High-risk insureds with serious driving violations could pay at least $2,092 or more
  • Policy cost for full coverage for a teen driver for full coverage can be $3,908 each year

View Chart as Image

Kia K900 insurance cost comparison chart
Column chart showing full coverage Kia K900 insurance rates range from $599 to $3,908

Insurance rates for a Kia K900 also range considerably based on your risk profile, the model of your K900, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia K900 insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,400 on average in Michigan, New York, and Louisiana.

Kia K900 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $884 -$94 -9.6%
Alaska $752 -$226 -23.1%
Arizona $814 -$164 -16.8%
Arkansas $978 -$0 0.0%
California $1,114 $136 13.9%
Colorado $934 -$44 -4.5%
Connecticut $1,006 $28 2.9%
Delaware $1,108 $130 13.3%
Florida $1,224 $246 25.2%
Georgia $902 -$76 -7.8%
Hawaii $704 -$274 -28.0%
Idaho $662 -$316 -32.3%
Illinois $730 -$248 -25.4%
Indiana $738 -$240 -24.5%
Iowa $660 -$318 -32.5%
Kansas $930 -$48 -4.9%
Kentucky $1,336 $358 36.6%
Louisiana $1,450 $472 48.3%
Maine $604 -$374 -38.2%
Maryland $808 -$170 -17.4%
Massachusetts $784 -$194 -19.8%
Michigan $1,700 $722 73.8%
Minnesota $818 -$160 -16.4%
Mississippi $1,172 $194 19.8%
Missouri $866 -$112 -11.5%
Montana $1,052 $74 7.6%
Nebraska $772 -$206 -21.1%
Nevada $1,174 $196 20.0%
New Hampshire $704 -$274 -28.0%
New Jersey $1,094 $116 11.9%
New Mexico $866 -$112 -11.5%
New York $1,030 $52 5.3%
North Carolina $562 -$416 -42.5%
North Dakota $800 -$178 -18.2%
Ohio $676 -$302 -30.9%
Oklahoma $1,006 $28 2.9%
Oregon $896 -$82 -8.4%
Pennsylvania $934 -$44 -4.5%
Rhode Island $1,304 $326 33.3%
South Carolina $886 -$92 -9.4%
South Dakota $826 -$152 -15.5%
Tennessee $858 -$120 -12.3%
Texas $1,178 $200 20.4%
Utah $724 -$254 -26.0%
Vermont $670 -$308 -31.5%
Virginia $586 -$392 -40.1%
Washington $758 -$220 -22.5%
West Virginia $898 -$80 -8.2%
Wisconsin $676 -$302 -30.9%
Wyoming $872 -$106 -10.8%

View Chart as Image

Kia K900 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $250 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 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 are likely paying at least $1,200 to $1,600 additional every year, depending on your age. Kia K900 insurance for high-risk drivers ranges anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates from as many companies as possible. Each auto insurer calculates rates differently, and rates will be varied from one company to the next.

Kia K900 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium

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 Kia K900 insurance takes not taking risks behind the wheel, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief summary of the car insurance concepts raised in the charts and tables above.

  • High-risk drivers that tend to have accidents or serious violations pay on average $1,110 more every year for K900 insurance
  • You may be able to save up to $110 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save around $250 each year
  • Drivers who may need higher liability limits will pay approximately $490 per year to raise limits from a 30/60 limit to 250/500 limits

Rates by Driver Age

Kia K900 Insurance Rates by Driver Age
Driver Age Premium
16 $3,908
20 $2,224
30 $996
40 $978
50 $898
60 $878

Full coverage, $500 deductibles

Rates by Deductible

Kia K900 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,140
$250 $1,066
$500 $978
$1,000 $890

Full coverage, driver age 40

Rates by Liability Limit

Kia K900 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $978
50/100 $1,066
100/300 $1,177
250/500 $1,464
100 CSL $1,111
300 CSL $1,354
500 CSL $1,531

Full coverage, driver age 40

Rates for High Risk Drivers

Kia K900 Insurance Rates for High Risk Drivers
Age Premium
16 $5,496
20 $3,536
30 $2,110
40 $2,092
50 $2,000
60 $1,980

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 $128

Potential Rate Discounts

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

Discount Savings
Multi-policy $49
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $58
5-yr Claim Free $60
Paid in Full/EFT $35
Advance Quote $42
Online Quote $66
Total Discounts $379
Rate after discounts $599

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

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