Kia K900 Insurance Rates
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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:
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.
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.
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
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.
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% |
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
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,744 |
$250 | $1,584 |
$500 | $1,400 |
$1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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