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Kia K900 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 1, 2020

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Average insurance prices for a Kia K900 are $1,636 every 12 months including full coverage. Comprehensive insurance costs approximately $398, collision insurance costs $690, and liability is estimated at $390. A liability-only policy costs approximately $452 a year, and high-risk insurance costs $3,530 or more. 16-year-old drivers receive the highest rates at up to $5,892 a year.

Average premium for full coverage: $1,636

Rate estimates by individual coverage type:

Comprehensive $398
Collision $690
Liability $390

Rates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different K900 trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range range from the cheapest price of $452 for just the minimum liability insurance to a much higher rate of $3,530 for a high risk driver.

Liability Only $452
Full Coverage $1,636
High Risk $3,530

Price Range by Location

Living in a larger city can have significant affects on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates the effect of location on auto insurance prices.

Rural Areas $1,227
Small Cities $1,718
Large Cities $2,209

These examples highlight why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of using 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 average Kia K900 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $930
  • Choosing higher $1,000 deductibles can save $248 every year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,636
  • Buying more expensive low deductibles for comp and collision coverage costs an extra $480 every year
  • Unlucky drivers with multiple tickets or accidents could pay around $3,530
  • The cost to insure a teen driver with full coverage can cost $5,892 each year

View Chart as Image

Kia K900 insurance cost comparison chart
Column chart showing Kia K900 insurance prices range from $930 to $5,892 for full coverage

Insurance rates for a Kia K900 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your K900.

Opting for high physical damage deductibles can save as much as $730 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,500 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,900 to $2,600 extra per year, depending on your age. High-risk driver insurance ranges as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Kia K900 insurance prices. A good driver about age 40 could pay as low as $1,260 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,340 on average in Louisiana, New York, and Michigan.

Kia K900 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,480 -$156 -9.5%
Alaska $1,256 -$380 -23.2%
Arizona $1,360 -$276 -16.9%
Arkansas $1,636 -$0 0.0%
California $1,866 $230 14.1%
Colorado $1,564 -$72 -4.4%
Connecticut $1,682 $46 2.8%
Delaware $1,854 $218 13.3%
Florida $2,050 $414 25.3%
Georgia $1,512 -$124 -7.6%
Hawaii $1,176 -$460 -28.1%
Idaho $1,108 -$528 -32.3%
Illinois $1,218 -$418 -25.6%
Indiana $1,232 -$404 -24.7%
Iowa $1,104 -$532 -32.5%
Kansas $1,556 -$80 -4.9%
Kentucky $2,232 $596 36.4%
Louisiana $2,424 $788 48.2%
Maine $1,010 -$626 -38.3%
Maryland $1,350 -$286 -17.5%
Massachusetts $1,310 -$326 -19.9%
Michigan $2,846 $1,210 74.0%
Minnesota $1,370 -$266 -16.3%
Mississippi $1,960 $324 19.8%
Missouri $1,454 -$182 -11.1%
Montana $1,758 $122 7.5%
Nebraska $1,292 -$344 -21.0%
Nevada $1,964 $328 20.0%
New Hampshire $1,178 -$458 -28.0%
New Jersey $1,830 $194 11.9%
New Mexico $1,450 -$186 -11.4%
New York $1,726 $90 5.5%
North Carolina $944 -$692 -42.3%
North Dakota $1,342 -$294 -18.0%
Ohio $1,130 -$506 -30.9%
Oklahoma $1,680 $44 2.7%
Oregon $1,498 -$138 -8.4%
Pennsylvania $1,562 -$74 -4.5%
Rhode Island $2,184 $548 33.5%
South Carolina $1,484 -$152 -9.3%
South Dakota $1,380 -$256 -15.6%
Tennessee $1,434 -$202 -12.3%
Texas $1,974 $338 20.7%
Utah $1,212 -$424 -25.9%
Vermont $1,120 -$516 -31.5%
Virginia $980 -$656 -40.1%
Washington $1,266 -$370 -22.6%
West Virginia $1,500 -$136 -8.3%
Wisconsin $1,134 -$502 -30.7%
Wyoming $1,460 -$176 -10.8%

View Chart as Image

Kia K900 insurance rates by U.S. city
Kia K900 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia K900 $398 $690 $390 $1,636
2019 Kia K900 $382 $686 $398 $1,624
2018 Kia K900 $368 $668 $416 $1,610
2017 Kia K900 $356 $640 $430 $1,584
2016 Kia K900 $336 $618 $442 $1,554
2015 Kia K900 $324 $574 $452 $1,508

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 Cheaper Kia K900 Insurance

Saving money on car insurance takes being a good driver, having good credit, not filing small claims, and possibly raising deductibles. Take the time to shop around at least every two years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The following list is a summary of the information that was covered in this article.

  • Increasing deductibles could save as much as $725 each year
  • You may be able to save around $200 per year just by shopping early and online
  • Policyholders who purchase an increased level of liability coverage will pay around $430 per year to raise limits from a minimum limit to a 250/500 level
  • Drivers age 16 to 20 are expensive to insure, as much as $491 per month if they have full coverage
  • Higher risk drivers that have multiple accidents or serious violations could be charged and average of $1,890 more per year than a safer driver

Rates by Driver Age

Kia K900 Insurance Rates by Driver Age
Driver Age Premium
16 $5,892
20 $3,754
30 $1,720
40 $1,636
50 $1,492
60 $1,462

Full coverage, $500 deductibles

Rates by Deductible

Kia K900 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,116
$250 $1,894
$500 $1,636
$1,000 $1,388

Full coverage, driver age 40

Rates by Liability Limit

Kia K900 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,636
50/100 $1,714
100/300 $1,812
250/500 $2,065
100 CSL $1,753
300 CSL $1,968
500 CSL $2,124

Full coverage, driver age 40

Rates for High Risk Drivers

Kia K900 Insurance Rates for High Risk Drivers
Age Premium
16 $8,444
20 $5,970
30 $3,624
40 $3,530
50 $3,364
60 $3,334

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 $227

Potential Rate Discounts

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

Discount Savings
Multi-policy $89
Multi-vehicle $83
Homeowner $23
5-yr Accident Free $125
5-yr Claim Free $106
Paid in Full/EFT $79
Advance Quote $83
Online Quote $118
Total Discounts $706
Rate after discounts $930

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

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