Kia K900 Insurance Rates

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UPDATED: Apr 5, 2024

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Estimated insurance rates for a Kia K900 are $1,400 a year with full coverage. Comprehensive costs around $298, collision costs $484, and liability is $460. A policy with only liability insurance costs around $510 a year, with a high-risk policy costing around $3,024. Teen drivers pay the most at $5,268 a year or more.

Average premium for full coverage: $1,400

Premium estimates for type of coverage:

Comprehensive $298
Collision $484
Liability $460

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different K900 trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Kia K900 go from the low end price of $510 for minimum levels of liability insurance to a much higher rate of $3,024 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than larger metro areas.

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

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

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of making a decision based on price 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 Details

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

  • The lowest rate with discounts is $812
  • Raising to $1,000 deductibles will save about $178 annually
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,400
  • Choosing more expensive low deductibles bumps up the cost to $1,744
  • Drivers with multiple violations and an at-fault accident could pay at least $3,024 or more
  • An auto insurance policy that insures a 16-year-old driver with full coverage can be $5,268

View Chart as Image

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

Car insurance prices for a Kia K900 also have a wide range based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 136% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $5,200 a year. View Rates by Age

Where you choose to live also has a big influence on Kia K900 insurance prices. A middle-age driver might find prices as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,890 on average in Florida, Michigan, and New York.

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

Choosing high deductibles can reduce prices by up to $530 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out your exact price is to compare prices from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different.

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 Affordable Kia K900 Insurance

Finding better rates on insurance for a Kia K900 consists of having a decent driving record, having a positive credit history, being claim-free, and qualifying for all possible discounts. Shop around at least once a year by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a brief review of the primary concepts that were raised in the charts and tables above.

  • You may be able to save up to $170 per year simply by shopping early and online
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,620 more every year than a driver with a clean driving record
  • Increasing policy deductibles can save approximately $525 each year
  • 16 to 18-year-old drivers are the costliest to insure, possibly costing $439 per month if full coverage is purchased

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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