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...
Licensed Insurance Agent
UPDATED: Apr 5, 2024
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U.S. average auto insurance rates for a Kia K900 are $1,400 annually for full coverage. Comprehensive costs approximately $298, collision costs $484, and liability costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing around $3,024. Teen drivers pay the highest rates at $5,268 a year or more.
Average premium for full coverage: $1,400
Price estimates by individual coverage:
These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all K900 models.
Price Range from Low to High
For the average driver, Kia K900 insurance prices go from as cheap as $510 for a discount liability-only rate to the much higher price of $3,024 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live can have significant affects on car insurance rates. Rural locations have fewer accident claims than larger metro areas.
The example below illustrates how location impacts auto insurance prices.
The ranges above show why everyone should compare prices using their specific location and their own personal driving habits, instead of using 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.
Rates by State, City, and Model
The chart below shows estimated Kia K900 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $812
- Using higher $1,000 deductibles will save $178 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,400
- Choosing pricier low deductibles for physical damage coverage will cost $1,744
- Drivers with multiple violations and an at-fault accident could pay around $3,024 or more
- The price with full coverage for a teen driver for full coverage can cost $5,268 or more
Insurance prices for a Kia K900 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,700 to $2,300 additional each year, depending on your age. Kia K900 insurance for high-risk drivers can be as much as 44% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $530 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Kia K900 insurance prices. A driver around age 40 might see prices as low as $920 a year in states like Iowa, Maine, and Idaho, or as much as $2,000 on average in New York, Louisiana, and Michigan.
| 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% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and prices may be quite different between companies.
| 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 Buy Cheap Kia K900 Insurance
Getting lower rates on car insurance requires avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The list below is a brief summary of the ideas that were touched on above.
- Teenagers are the costliest to insure, with premiums as much as $439 a month if they have full coverage
- Higher risk drivers that tend to have accidents or serious violations pay on average $1,620 more per year for car insurance
- Increasing physical damage deductibles could save up to $525 each year
- Drivers can save around $170 per year simply by quoting online well ahead of the renewal date
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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