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 insurance rates for a Kia K900 are $1,342 a year including full coverage. Comprehensive insurance costs approximately $278 each year, collision costs $446, and liability insurance costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing $2,896 or more. Teenage drivers pay the highest rates at $5,088 a year or more.
Average premium for full coverage: $1,342
Price estimates by individual coverage:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and K900 models.
Price Range from Low to High
For a 40-year-old driver, Kia K900 insurance prices go from the low end price of $510 for a discount liability-only rate to a high rate of $2,896 for a high-risk insurance policy.
Geographic Price Range
Your location has a significant impact on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than densely populated cities.
The graphic below illustrates how your location can change auto insurance prices.
The ranges above highlight why all drivers should compare rates using their specific location, rather than relying on average rates.
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 breaks down estimated Kia K900 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $782
- Drivers who choose higher $1,000 deductibles will pay $164 every year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,342
- Using low deductibles for comprehensive and collision insurance will cost an additional $318 a year
- High risk drivers who are prone to accidents and violations could pay around $2,896 or more
- The price that insures a teen driver can cost $5,088 a year
Car insurance prices for a Kia K900 are also quite variable based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,000 a year. View Rates by Age
The state you live in makes a big difference in Kia K900 insurance rates. A 40-year-old driver could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,920 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,214 | -$128 | -9.5% |
| Alaska | $1,030 | -$312 | -23.2% |
| Arizona | $1,114 | -$228 | -17.0% |
| Arkansas | $1,342 | -$0 | 0.0% |
| California | $1,530 | $188 | 14.0% |
| Colorado | $1,284 | -$58 | -4.3% |
| Connecticut | $1,380 | $38 | 2.8% |
| Delaware | $1,518 | $176 | 13.1% |
| Florida | $1,678 | $336 | 25.0% |
| Georgia | $1,240 | -$102 | -7.6% |
| Hawaii | $964 | -$378 | -28.2% |
| Idaho | $908 | -$434 | -32.3% |
| Illinois | $1,000 | -$342 | -25.5% |
| Indiana | $1,010 | -$332 | -24.7% |
| Iowa | $906 | -$436 | -32.5% |
| Kansas | $1,276 | -$66 | -4.9% |
| Kentucky | $1,832 | $490 | 36.5% |
| Louisiana | $1,986 | $644 | 48.0% |
| Maine | $828 | -$514 | -38.3% |
| Maryland | $1,108 | -$234 | -17.4% |
| Massachusetts | $1,074 | -$268 | -20.0% |
| Michigan | $2,332 | $990 | 73.8% |
| Minnesota | $1,124 | -$218 | -16.2% |
| Mississippi | $1,608 | $266 | 19.8% |
| Missouri | $1,192 | -$150 | -11.2% |
| Montana | $1,442 | $100 | 7.5% |
| Nebraska | $1,060 | -$282 | -21.0% |
| Nevada | $1,610 | $268 | 20.0% |
| New Hampshire | $968 | -$374 | -27.9% |
| New Jersey | $1,500 | $158 | 11.8% |
| New Mexico | $1,188 | -$154 | -11.5% |
| New York | $1,414 | $72 | 5.4% |
| North Carolina | $772 | -$570 | -42.5% |
| North Dakota | $1,098 | -$244 | -18.2% |
| Ohio | $928 | -$414 | -30.8% |
| Oklahoma | $1,380 | $38 | 2.8% |
| Oregon | $1,230 | -$112 | -8.3% |
| Pennsylvania | $1,280 | -$62 | -4.6% |
| Rhode Island | $1,792 | $450 | 33.5% |
| South Carolina | $1,216 | -$126 | -9.4% |
| South Dakota | $1,132 | -$210 | -15.6% |
| Tennessee | $1,176 | -$166 | -12.4% |
| Texas | $1,618 | $276 | 20.6% |
| Utah | $994 | -$348 | -25.9% |
| Vermont | $918 | -$424 | -31.6% |
| Virginia | $804 | -$538 | -40.1% |
| Washington | $1,038 | -$304 | -22.7% |
| West Virginia | $1,230 | -$112 | -8.3% |
| Wisconsin | $928 | -$414 | -30.8% |
| Wyoming | $1,196 | -$146 | -10.9% |
Using high physical damage deductibles could save up to $490 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Kia K900 | $336 | $618 | $442 | $1,554 |
| 2020 Kia K900 | $324 | $574 | $452 | $1,508 |
| 2019 Kia K900 | $310 | $540 | $456 | $1,464 |
| 2018 Kia K900 | $298 | $484 | $460 | $1,400 |
| 2017 Kia K900 | $278 | $446 | $460 | $1,342 |
| 2016 Kia K900 | $268 | $418 | $464 | $1,308 |
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 More Affordable Kia K900 Insurance
Getting lower rates on Kia K900 insurance not only requires avoiding accidents and claims, but also having a positive credit history, being claim-free, and avoiding coverage lapses. Compare prices at least every other year by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.
The points below are a summary of the car insurance concepts illustrated above.
- High-risk drivers who have multiple accidents or major violations will likely pay on average $1,550 more per year to insure a Kia K900
- You may be able to save around $160 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $475 each year
- Drivers who purchase increased liability limits will pay an extra $510 per year to go from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,088 |
| 20 | $3,078 |
| 30 | $1,390 |
| 40 | $1,342 |
| 50 | $1,226 |
| 60 | $1,202 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,660 |
| $250 | $1,512 |
| $500 | $1,342 |
| $1,000 | $1,178 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,342 |
| 50/100 | $1,434 |
| 100/300 | $1,549 |
| 250/500 | $1,848 |
| 100 CSL | $1,480 |
| 300 CSL | $1,733 |
| 500 CSL | $1,917 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,236 |
| 20 | $4,900 |
| 30 | $2,952 |
| 40 | $2,896 |
| 50 | $2,766 |
| 60 | $2,740 |
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 | $71 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $95 |
| Total Discounts | $560 |
Discounts are estimated and may not be available from every company or in every state.
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