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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Estimated insurance prices for a Kia K900 are $1,342 every 12 months for full coverage insurance. Comprehensive insurance costs around $278, collision costs $446, and liability costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing $2,896 or more. Teen drivers pay the most at $5,088 a year or more.
Average premium for full coverage: $1,342
Premium estimates for type of coverage:
Rates are based on $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 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 cheapest price of $510 for liability-only coverage to a much higher rate of $2,896 for high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates how rural and urban location affects auto insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, 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 Charts and Tables
The chart below illustrates estimated Kia K900 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $782
- Drivers who choose higher $1,000 deductibles will pay about $164 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,342
- Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $318 annually
- Drivers with multiple violations and an at-fault accident could pay at least $2,896 or more
- An auto insurance policy to insure a 16-year-old driver with full coverage can be $5,088 a year
Insurance prices for a Kia K900 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Choosing high deductibles could save up to $490 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay as much as $5,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance can cost from 43% to 133% more than average. View High Risk Driver Rates
Where you choose to live makes a big difference in Kia K900 insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,810 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out your exact price is to compare prices from multiple companies. Every company uses a different rate calculation, and prices will be substantially 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 Shop for the Best Cheap Kia K900 Insurance
Finding better rates on insurance for a Kia K900 not only requires being a safe and courteous driver, but also having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to shop around every couple of years by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
Below is a quick review of the material that was raised in the charts and tables above.
- Insureds who may need higher levels of liability will pay about $510 annually to go from 30/60 bodily injury limits to a 250/500 level
- Teenage drivers are charged the highest prices, with premiums being up to $424 per month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,550 more every year for auto insurance
- Increasing policy deductibles could save as much as $475 each year
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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