Kia EV6 Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Kia EV6 are $1,586 annually for full coverage. Comprehensive costs an estimated $418 each year, collision costs $812, and liability costs around $246. Liability-only insurance costs as low as $298 a year, with high-risk driver insurance costing around $3,432. 16-year-old drivers cost the most to insure at $5,458 a year or more.
Average premium for full coverage: $1,586
Policy rates broken down by type of insurance:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and EV6 models.
Price Range Variability
For a driver around age 40, Kia EV6 insurance rates go from as cheap as $298 for just liability insurance to a high rate of $3,432 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on insurance prices.
The examples above show why all drivers should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on rate 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.
More Rate Details
The chart below shows estimated Kia EV6 insurance rates for other coverage scenarios.
- The best full coverage rate is $868
- Using higher $1,000 deductibles will save approximately $278 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,586
- Buying low deductibles for physical damage coverage will cost $2,130
- High-risk insureds with multiple tickets or accidents could pay up to $3,432 or more
- Policy cost with full coverage for a 16-year-old driver can cost as much as $5,458 or more
Auto insurance rates for a Kia EV6 also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $5,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying $1,900 to $2,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 46% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $830 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $222 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Kia EV6 insurance prices. A driver around age 40 might see rates as low as $1,040 a year in states like Iowa, Maine, and Idaho, or at least $2,260 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,434 | -$152 | -9.6% |
| Alaska | $1,214 | -$372 | -23.5% |
| Arizona | $1,316 | -$270 | -17.0% |
| Arkansas | $1,586 | -$0 | 0.0% |
| California | $1,806 | $220 | 13.9% |
| Colorado | $1,512 | -$74 | -4.7% |
| Connecticut | $1,626 | $40 | 2.5% |
| Delaware | $1,792 | $206 | 13.0% |
| Florida | $1,980 | $394 | 24.8% |
| Georgia | $1,464 | -$122 | -7.7% |
| Hawaii | $1,140 | -$446 | -28.1% |
| Idaho | $1,072 | -$514 | -32.4% |
| Illinois | $1,184 | -$402 | -25.3% |
| Indiana | $1,194 | -$392 | -24.7% |
| Iowa | $1,070 | -$516 | -32.5% |
| Kansas | $1,506 | -$80 | -5.0% |
| Kentucky | $2,162 | $576 | 36.3% |
| Louisiana | $2,346 | $760 | 47.9% |
| Maine | $976 | -$610 | -38.5% |
| Maryland | $1,306 | -$280 | -17.7% |
| Massachusetts | $1,266 | -$320 | -20.2% |
| Michigan | $2,752 | $1,166 | 73.5% |
| Minnesota | $1,328 | -$258 | -16.3% |
| Mississippi | $1,898 | $312 | 19.7% |
| Missouri | $1,404 | -$182 | -11.5% |
| Montana | $1,702 | $116 | 7.3% |
| Nebraska | $1,248 | -$338 | -21.3% |
| Nevada | $1,900 | $314 | 19.8% |
| New Hampshire | $1,144 | -$442 | -27.9% |
| New Jersey | $1,770 | $184 | 11.6% |
| New Mexico | $1,404 | -$182 | -11.5% |
| New York | $1,668 | $82 | 5.2% |
| North Carolina | $912 | -$674 | -42.5% |
| North Dakota | $1,298 | -$288 | -18.2% |
| Ohio | $1,094 | -$492 | -31.0% |
| Oklahoma | $1,626 | $40 | 2.5% |
| Oregon | $1,454 | -$132 | -8.3% |
| Pennsylvania | $1,510 | -$76 | -4.8% |
| Rhode Island | $2,112 | $526 | 33.2% |
| South Carolina | $1,436 | -$150 | -9.5% |
| South Dakota | $1,338 | -$248 | -15.6% |
| Tennessee | $1,388 | -$198 | -12.5% |
| Texas | $1,908 | $322 | 20.3% |
| Utah | $1,172 | -$414 | -26.1% |
| Vermont | $1,082 | -$504 | -31.8% |
| Virginia | $950 | -$636 | -40.1% |
| Washington | $1,222 | -$364 | -23.0% |
| West Virginia | $1,454 | -$132 | -8.3% |
| Wisconsin | $1,096 | -$490 | -30.9% |
| Wyoming | $1,410 | -$176 | -11.1% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia EV6 | $398 | $780 | $258 | $1,546 |
Rates are averaged for all Kia EV6 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 Right Kia EV6 Insurance
Finding cheaper rates on insurance for a Kia EV6 requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates at least every other year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The points below are a quick rundown of the car insurance concepts covered above.
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,850 more annually to insure a Kia EV6
- Drivers can save approximately $200 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $825 each year
- Insureds who want increased liability limits will pay around $270 each year to increase from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,458 |
| 20 | $3,650 |
| 30 | $1,686 |
| 40 | $1,586 |
| 50 | $1,442 |
| 60 | $1,416 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,130 |
| $250 | $1,878 |
| $500 | $1,586 |
| $1,000 | $1,308 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,586 |
| 50/100 | $1,635 |
| 100/300 | $1,697 |
| 250/500 | $1,857 |
| 100 CSL | $1,660 |
| 300 CSL | $1,795 |
| 500 CSL | $1,894 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,896 |
| 20 | $5,808 |
| 30 | $3,548 |
| 40 | $3,432 |
| 50 | $3,268 |
| 60 | $3,240 |
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 | $89 |
| Multi-vehicle | $81 |
| Homeowner | $20 |
| 5-yr Accident Free | $133 |
| 5-yr Claim Free | $106 |
| Paid in Full/EFT | $85 |
| Advance Quote | $86 |
| Online Quote | $118 |
| Total Discounts | $718 |
Discounts are estimated and may not be available from every company or in every state.
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