Kia K900 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 5, 2024
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The average insurance prices for a Kia K900 are $1,400 every 12 months including full coverage. Comprehensive insurance costs on average $298 each year, collision costs $484, and liability is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $3,024 or more. 16-year-old drivers cost the most to insure at $5,268 a year or more.
Average premium for full coverage: $1,400
Policy rates by type of insurance:
Includes $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and K900 models.
Price Range Variability
For a driver around age 40, Kia K900 insurance rates go from the cheapest price of $510 for the bare minimum liability coverage to a high rate of $3,024 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The examples above highlight why all drivers should compare rates quotes based on a 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 Information
The chart below breaks down estimated Kia K900 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $812
- Raising to $1,000 deductibles will save around $178 every year
- The average price for a good driver age 40 with $500 deductibles is $1,400
- Buying low deductibles costs an extra $344 every year
- At-risk drivers with multiple tickets or accidents could pay upwards of $3,024 or more
- Policy cost to insure a teen driver may cost $5,268
Insurance rates for a Kia K900 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your K900.
Opting for high physical damage deductibles can reduce rates by up to $530 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $5,200 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 136% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Kia K900 insurance prices. A middle-age driver might find rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,000 on average in Michigan, New York, and Louisiana.
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% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so the rates will be varied.
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 Shop for the Cheapest Kia K900 Insurance
Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Set aside time to compare rates at every other renewal by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The following is a recap of the concepts that were covered above.
- Higher risk drivers that have major violations or accidents may pay on average $1,620 more each year for K900 insurance
- Teens pay the highest rates, with premiums being up to $439 each month if they have full coverage
- You may be able to save as much as $170 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $525 each year
- You may be able to save as much as $170 per year simply by quoting online in advance
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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