Kia K900 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 5, 2024

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U.S. average insurance rates for a Kia K900 are $1,464 a year with full coverage. Comprehensive insurance costs on average $310, collision insurance costs $540, and liability insurance costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs $3,172 or more. Teens pay the highest rates at up to $5,484 a year.

Average premium for full coverage: $1,464

Price estimates by individual coverage:

Comprehensive $310
Collision $540
Liability $456

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all K900 models.

Price Range from Low to High

For the average driver, Kia K900 insurance prices range from the low end price of $508 for just liability insurance to the much higher price of $3,172 for a driver who has had serious violations or accidents.

Liability Only $508
Full Coverage $1,464
High Risk $3,172

Geographic Price Range

Your location has a significant impact on auto insurance rates. Rural areas have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates how location impacts car insurance rates.

Rural Areas $1,098
Small Cities $1,537
Large Cities $1,976

The ranges above demonstrate why everyone should compare rates based on a specific location, rather than relying on averaged prices.

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.

More Rate Details

The chart below details average Kia K900 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $843
  • Drivers who choose higher $1,000 deductibles will pay around $192 annually
  • The estimated price for the average middle-age driver with $500 deductibles is $1,464
  • Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $376 a year
  • High risk drivers with serious driving violations could pay upwards of $3,172
  • The price that insures a teen driver for full coverage may cost $5,484 a year

View Chart as Image

Kia K900 insurance cost comparison chart
Column chart showing Kia K900 insurance prices range from $843 to $5,484 for full coverage

Insurance prices for a Kia K900 are also quite variable based on the model of your K900, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,700 to $2,400 additional each year, depending on your age. Kia K900 insurance for high-risk drivers can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,400 a year. View Rates by Age

The state you live in makes a big difference in Kia K900 insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,980 on average in Florida, Michigan, and New York.

Kia K900 Insurance Rates by State
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%

View Chart as Image

Kia K900 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $570 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

Kia K900 Insurance Rates by Model Year
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 Find Cheap Kia K900 Insurance

Getting lower rates on Kia K900 insurance not only requires avoiding accidents and claims, but also having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare rates every other policy renewal by getting quotes from direct companies, and also from several local insurance agents.

The points below are a brief summary of the ideas that were touched on above.

  • Drivers under the age of 20 pay higher prices, costing up to $457 a month if comprehensive and collision insurance is included
  • High-risk drivers that tend to have accidents or serious violations pay on average $1,710 more each year to insure a Kia K900
  • Increasing physical damage deductibles can save approximately $575 each year
  • You may be able to save as much as $180 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Kia K900 Insurance 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

Kia K900 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,840
$250 $1,666
$500 $1,464
$1,000 $1,272

Full coverage, driver age 40

Rates by Liability Limit

Kia K900 Insurance Rates with Different Liability Limits
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

Kia K900 Insurance 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.

SR-22 Surcharge $205

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
Rate after discounts $843

Discounts are estimated and may not be available from every company or in every state.

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