Kia K900 Insurance Rates

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UPDATED: Apr 5, 2024

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Average auto insurance rates for a Kia K900 are $1,400 annually for full coverage. Comprehensive insurance costs on average $298, collision costs $484, and liability insurance costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing $3,024 or more. Teen drivers receive the highest rates at $5,268 a year or more.

Average premium for full coverage: $1,400

Rate estimates by individual coverage type:

Comprehensive $298
Collision $484
Liability $460

Includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all K900 models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as cheap as $510 for just the minimum liability insurance to the much higher price of $3,024 for a driver required to buy high-risk insurance.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have fewer accident claims than larger metro areas.

The example below illustrates how rural and urban location affects car insurance rates.

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

These examples show why everyone should compare rates based on a specific location and their own personal driving habits, rather than relying 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 Rate Analysis

The chart below shows estimated Kia K900 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $812
  • Drivers who choose higher $1,000 deductibles will pay around $178 a year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,400
  • Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $344 a year
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,024 or more
  • The cost with full coverage for a teen driver for full coverage may cost $5,268 a year

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

Car insurance rates for a Kia K900 can also vary considerably based on the trim level of your K900, your driver profile, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,700 to $2,300 extra per year, depending on your age. Kia K900 insurance for high-risk drivers can cost anywhere from 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $530 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Kia K900 insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or as much as $2,000 on average in Michigan, Louisiana, and New York.

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

With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Every company uses a different rate calculation, so rate quotes can be significantly different between companies.

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 Buy the Cheapest Kia K900 Insurance

Saving money on Kia K900 insurance not only requires being a low-risk driver, but also having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to shop around at every policy renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The items below are a recap of the data raised in the charts and tables above.

  • Drivers who require more liability coverage will pay about $510 each year to go from a minimum limit to higher 250/500 limits
  • Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles could save up to $525 each year
  • Teen drivers are expensive to insure, costing as high as $439 per month if comprehensive and collision insurance is included

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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