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 $1,464 annually including full coverage. Comprehensive costs on average $310 each year, collision costs $540, and liability is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing around $3,172. Teenage drivers receive the highest rates at $5,484 a year or more.
Average premium for full coverage: $1,464
Rate estimates by individual coverage type:
Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and K900 models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $508 for just liability coverage to a high rate of $3,172 for a high-risk driver policy.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than densely populated cities.
The graphic below illustrates how location impacts car insurance rates.
These examples highlight why all drivers should get quotes based on a specific location and their own personal driving habits, instead of using 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.
Detailed Rate Analysis
The chart below breaks down estimated Kia K900 insurance rates for different risk profiles and scenarios.
- The best discount rate is $843
- Choosing higher $1,000 deductibles can save around $192 every year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,464
- Using low deductibles for comp and collision coverage will cost $1,840
- Unlucky drivers who are prone to accidents and violations could pay upwards of $3,172 or more
- The cost with full coverage for a teen driver may cost $5,484 each year
Auto insurance rates for a Kia K900 can also vary considerably based on the trim level of your K900, your driving characteristics, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $570 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Kia K900 insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,090 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,324 | -$140 | -9.6% |
| Alaska | $1,124 | -$340 | -23.2% |
| Arizona | $1,216 | -$248 | -16.9% |
| Arkansas | $1,464 | -$0 | 0.0% |
| California | $1,670 | $206 | 14.1% |
| Colorado | $1,400 | -$64 | -4.4% |
| Connecticut | $1,508 | $44 | 3.0% |
| Delaware | $1,660 | $196 | 13.4% |
| Florida | $1,834 | $370 | 25.3% |
| Georgia | $1,352 | -$112 | -7.7% |
| Hawaii | $1,054 | -$410 | -28.0% |
| Idaho | $990 | -$474 | -32.4% |
| Illinois | $1,092 | -$372 | -25.4% |
| Indiana | $1,104 | -$360 | -24.6% |
| Iowa | $988 | -$476 | -32.5% |
| Kansas | $1,392 | -$72 | -4.9% |
| Kentucky | $2,000 | $536 | 36.6% |
| Louisiana | $2,168 | $704 | 48.1% |
| Maine | $906 | -$558 | -38.1% |
| Maryland | $1,208 | -$256 | -17.5% |
| Massachusetts | $1,172 | -$292 | -19.9% |
| Michigan | $2,546 | $1,082 | 73.9% |
| Minnesota | $1,226 | -$238 | -16.3% |
| Mississippi | $1,756 | $292 | 19.9% |
| Missouri | $1,300 | -$164 | -11.2% |
| Montana | $1,574 | $110 | 7.5% |
| Nebraska | $1,154 | -$310 | -21.2% |
| Nevada | $1,756 | $292 | 19.9% |
| New Hampshire | $1,056 | -$408 | -27.9% |
| New Jersey | $1,638 | $174 | 11.9% |
| New Mexico | $1,298 | -$166 | -11.3% |
| New York | $1,544 | $80 | 5.5% |
| North Carolina | $844 | -$620 | -42.3% |
| North Dakota | $1,198 | -$266 | -18.2% |
| Ohio | $1,010 | -$454 | -31.0% |
| Oklahoma | $1,504 | $40 | 2.7% |
| Oregon | $1,342 | -$122 | -8.3% |
| Pennsylvania | $1,398 | -$66 | -4.5% |
| Rhode Island | $1,954 | $490 | 33.5% |
| South Carolina | $1,328 | -$136 | -9.3% |
| South Dakota | $1,236 | -$228 | -15.6% |
| Tennessee | $1,282 | -$182 | -12.4% |
| Texas | $1,764 | $300 | 20.5% |
| Utah | $1,086 | -$378 | -25.8% |
| Vermont | $1,004 | -$460 | -31.4% |
| Virginia | $878 | -$586 | -40.0% |
| Washington | $1,134 | -$330 | -22.5% |
| West Virginia | $1,342 | -$122 | -8.3% |
| Wisconsin | $1,014 | -$450 | -30.7% |
| Wyoming | $1,306 | -$158 | -10.8% |
With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Kia K900 | $368 | $668 | $416 | $1,610 |
| 2020 Kia K900 | $356 | $640 | $430 | $1,584 |
| 2019 Kia K900 | $336 | $618 | $442 | $1,554 |
| 2018 Kia K900 | $324 | $574 | $452 | $1,508 |
| 2017 Kia K900 | $310 | $540 | $456 | $1,464 |
| 2016 Kia K900 | $298 | $484 | $460 | $1,400 |
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 Best Kia K900 Insurance
Saving money on car insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and taking advantage of discounts. Spend time shopping around every time your policy renews by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below is a brief recap of the information touched on above.
- You may be able to save as much as $180 per year simply by quoting online in advance
- Teenage drivers are charged the highest rates, as much as $457 per month if full coverage is included
- Increasing deductibles could save up to $575 each year
- Higher risk drivers who tend to receive serious violations pay on average $1,710 more each year for auto insurance
- Policyholders who require higher levels of liability will pay an extra $500 per year to raise limits from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,484 |
| 20 | $3,374 |
| 30 | $1,526 |
| 40 | $1,464 |
| 50 | $1,338 |
| 60 | $1,312 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,840 |
| $250 | $1,666 |
| $500 | $1,464 |
| $1,000 | $1,272 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,464 |
| 50/100 | $1,555 |
| 100/300 | $1,669 |
| 250/500 | $1,966 |
| 100 CSL | $1,601 |
| 300 CSL | $1,852 |
| 500 CSL | $2,034 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,828 |
| 20 | $5,374 |
| 30 | $3,238 |
| 40 | $3,172 |
| 50 | $3,028 |
| 60 | $3,002 |
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 | $78 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $95 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $104 |
| Total Discounts | $621 |
Discounts are estimated and may not be available from every company or in every state.
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