Kia EV9 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: Mar 28, 2024
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Average insurance prices for a Kia EV9 are $1,674 every 12 months with full coverage. Comprehensive insurance costs an estimated $444 a year, collision costs $874, and liability costs $246. A liability-only policy costs as little as $298 a year, with high-risk insurance costing $3,630 or more. Teenage drivers receive the highest rates at $5,742 a year or more.
Average premium for full coverage: $1,674
Rate estimates broken down by individual coverage type:
Includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and EV9 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $298 for basic liability insurance to a high of $3,630 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can make a big difference on car insurance rates. More rural locations tend to have more infrequent collision claims than densely populated cities.
The diagram below illustrates how your location can change insurance prices.
These examples demonstrate why it is important to compare rates for a targeted area and their own driving history, instead of making a decision based 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.
Rate Comparisons
The chart below details estimated Kia EV9 insurance rates for other coverage scenarios.
- The best discount rate is $913
- Drivers who choose higher $1,000 deductibles will pay approximately $1,376 annually
- The average price for a 40-year-old driver who has $500 deductibles is $1,674
- Using low $100 deductibles for comprehensive and collision insurance costs an extra $586 annually
- Drivers who are prone to accidents and violations could pay up to $3,630 or more
- The cost to insure a 16-year-old driver can cost as much as $5,742 a year
Insurance rates for a Kia EV9 can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.
Using high physical damage deductibles could save up to $890 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $222 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $5,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out $2,000 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy can cost from 45% to 134% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Kia EV9 insurance prices. A 40-year-old driver could pay as low as $1,210 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,260 on average in New York, Michigan, and Florida.
| 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% |
With so much variability in rates, the best way to find out which company is cheapest is to get quotes from multiple companies. Every company uses a different method to calculate rates, so the rates can be significantly different.
| 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 Shop for the Cheapest Kia EV9 Insurance
Saving money on insurance for a Kia EV9 not only requires being a safe and courteous driver, but also having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every other policy renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a recap of the ideas that were illustrated above.
- Teenage drivers are charged the highest rates, with premiums as much as $479 per month if they have full coverage
- Drivers considered higher risk that have major violations or accidents may pay on average $1,960 more annually for auto insurance
- Increasing deductibles could save as much as $875 each year
- You may be able to save approximately $220 per year simply by quoting early and online
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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