Kia EV9 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Kia EV9 are $1,674 a year including full coverage. Comprehensive insurance costs around $444 a year, collision costs $874, and liability insurance costs $246. Liability-only coverage costs as little as $298 a year, with high-risk coverage costing $3,630 or more. Teenage drivers cost the most to insure at $5,742 a year or more.
Average premium for full coverage: $1,674
Policy rates for type of insurance:
These estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and EV9 trim levels.
Price Range Variability
For the average 40-year-old driver, Kia EV9 insurance rates go from as low as $298 for minimum levels of liability insurance to a high of $3,630 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.
The diagram below illustrates the difference location can make on auto insurance rates.
The examples above highlight why it is important to compare rates for a specific zip code and risk profile, 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.
Additional Rate Details
The chart below breaks down estimated Kia EV9 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $913
- Drivers who choose higher $1,000 deductibles will pay about $1,376 every year
- The average rate for a good driver age 40 using $500 deductibles is $1,674
- Using low $100 deductibles for comprehensive and collision insurance will cost an extra $586 a year
- High risk drivers who are prone to accidents and violations could pay at least $3,630 or more
- Policy cost for full coverage for a teen driver can be $5,742 a year
Insurance rates for a Kia EV9 also range considerably based on your risk profile, the model of your EV9, and deductibles and policy limits.
Older drivers with no violations or accidents and high deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $5,700 a year. View Rates by Age
Your home state makes a big difference in Kia EV9 insurance rates. A 40-year-old driver could pay as low as $1,280 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,390 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,514 | -$160 | -9.6% |
| Alaska | $1,284 | -$390 | -23.3% |
| Arizona | $1,392 | -$282 | -16.8% |
| Arkansas | $1,674 | -$0 | 0.0% |
| California | $1,908 | $234 | 14.0% |
| Colorado | $1,596 | -$78 | -4.7% |
| Connecticut | $1,720 | $46 | 2.7% |
| Delaware | $1,896 | $222 | 13.3% |
| Florida | $2,092 | $418 | 25.0% |
| Georgia | $1,546 | -$128 | -7.6% |
| Hawaii | $1,204 | -$470 | -28.1% |
| Idaho | $1,134 | -$540 | -32.3% |
| Illinois | $1,250 | -$424 | -25.3% |
| Indiana | $1,264 | -$410 | -24.5% |
| Iowa | $1,130 | -$544 | -32.5% |
| Kansas | $1,590 | -$84 | -5.0% |
| Kentucky | $2,282 | $608 | 36.3% |
| Louisiana | $2,478 | $804 | 48.0% |
| Maine | $1,032 | -$642 | -38.4% |
| Maryland | $1,382 | -$292 | -17.4% |
| Massachusetts | $1,336 | -$338 | -20.2% |
| Michigan | $2,906 | $1,232 | 73.6% |
| Minnesota | $1,402 | -$272 | -16.2% |
| Mississippi | $2,006 | $332 | 19.8% |
| Missouri | $1,484 | -$190 | -11.4% |
| Montana | $1,800 | $126 | 7.5% |
| Nebraska | $1,318 | -$356 | -21.3% |
| Nevada | $2,008 | $334 | 20.0% |
| New Hampshire | $1,208 | -$466 | -27.8% |
| New Jersey | $1,868 | $194 | 11.6% |
| New Mexico | $1,482 | -$192 | -11.5% |
| New York | $1,762 | $88 | 5.3% |
| North Carolina | $964 | -$710 | -42.4% |
| North Dakota | $1,372 | -$302 | -18.0% |
| Ohio | $1,156 | -$518 | -30.9% |
| Oklahoma | $1,718 | $44 | 2.6% |
| Oregon | $1,538 | -$136 | -8.1% |
| Pennsylvania | $1,596 | -$78 | -4.7% |
| Rhode Island | $2,234 | $560 | 33.5% |
| South Carolina | $1,516 | -$158 | -9.4% |
| South Dakota | $1,414 | -$260 | -15.5% |
| Tennessee | $1,468 | -$206 | -12.3% |
| Texas | $2,018 | $344 | 20.5% |
| Utah | $1,242 | -$432 | -25.8% |
| Vermont | $1,144 | -$530 | -31.7% |
| Virginia | $1,004 | -$670 | -40.0% |
| Washington | $1,292 | -$382 | -22.8% |
| West Virginia | $1,538 | -$136 | -8.1% |
| Wisconsin | $1,160 | -$514 | -30.7% |
| Wyoming | $1,488 | -$186 | -11.1% |
Using high physical damage deductibles could save up to $890 each year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $222 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $2,000 to $2,600 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out your exact price is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, and rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia EV9 | $406 | $834 | $264 | $1,614 |
Rates are averaged for all Kia EV9 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 Cheap Kia EV9 Insurance
Finding cheaper rates on Kia EV9 insurance not only requires having a good driving record, but also having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates once a year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a brief summary of the data that was touched on in this article.
- You may be able to save up to $220 per year simply by quoting early and online
- Drivers who may need increased levels of liability coverage will pay an extra $270 per year to go from a 30/60 limit to 250/500 limits
- Drivers age 20 and younger are charged the highest rates, with premiums being up to $479 each month including comprehensive and collision insurance
- High-risk drivers that tend to have accidents or serious violations pay on average $1,960 more every year to buy Kia EV9 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,742 |
| 20 | $3,860 |
| 30 | $1,784 |
| 40 | $1,674 |
| 50 | $1,524 |
| 60 | $1,496 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,260 |
| $250 | $1,988 |
| $500 | $1,674 |
| $1,000 | $1,376 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,674 |
| 50/100 | $1,723 |
| 100/300 | $1,785 |
| 250/500 | $1,945 |
| 100 CSL | $1,748 |
| 300 CSL | $1,883 |
| 500 CSL | $1,982 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,318 |
| 20 | $6,144 |
| 30 | $3,756 |
| 40 | $3,630 |
| 50 | $3,458 |
| 60 | $3,428 |
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 | $94 |
| Multi-vehicle | $85 |
| Homeowner | $21 |
| 5-yr Accident Free | $142 |
| 5-yr Claim Free | $112 |
| Paid in Full/EFT | $91 |
| Advance Quote | $91 |
| Online Quote | $125 |
| Total Discounts | $761 |
Discounts are estimated and may not be available from every company or in every state.
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