Kia K900 Insurance Rates

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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:

Comprehensive $298
Collision $484
Liability $460

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.

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

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.

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

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

View Chart as Image

Kia K900 insurance cost comparison chart
Column chart showing full coverage Kia K900 insurance prices range from $812 to $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.

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

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.

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 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

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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