Kia K900 Insurance Rates
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UPDATED: Apr 5, 2024
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The average auto insurance rates for a Kia K900 are $1,400 annually including full coverage. Comprehensive costs an estimated $298 a year, collision insurance costs $484, and liability is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs around $3,024. Teens cost the most to insure at up to $5,268 a year.
Average premium for full coverage: $1,400
Policy rates broken down by type of insurance:
Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and K900 trim levels.
Price Range Variability
For a 40-year-old driver, Kia K900 insurance rates range from as cheap as $510 for basic liability insurance to a high of $3,024 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change insurance prices.
The examples above highlight why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based 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.
Rate Comparisons
The chart below breaks down average Kia K900 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $812
- Raising to $1,000 deductibles will save approximately $1,222 every year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,400
- Selecting low $100 deductibles will cost $1,744
- Drivers with serious driving violations could pay up to $3,024
- Policy cost with full coverage for a 16-year-old driver can cost as much as $5,268
Car insurance rates for a Kia K900 also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $5,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $530 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Kia K900 insurance prices. A middle-age driver might find rates as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,000 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$132 | -9.4% |
| Alaska | $1,074 | -$326 | -23.3% |
| Arizona | $1,164 | -$236 | -16.9% |
| Arkansas | $1,400 | -$0 | 0.0% |
| California | $1,596 | $196 | 14.0% |
| Colorado | $1,338 | -$62 | -4.4% |
| Connecticut | $1,440 | $40 | 2.9% |
| Delaware | $1,584 | $184 | 13.1% |
| Florida | $1,752 | $352 | 25.1% |
| Georgia | $1,292 | -$108 | -7.7% |
| Hawaii | $1,006 | -$394 | -28.1% |
| Idaho | $948 | -$452 | -32.3% |
| Illinois | $1,044 | -$356 | -25.4% |
| Indiana | $1,054 | -$346 | -24.7% |
| Iowa | $946 | -$454 | -32.4% |
| Kansas | $1,330 | -$70 | -5.0% |
| Kentucky | $1,912 | $512 | 36.6% |
| Louisiana | $2,072 | $672 | 48.0% |
| Maine | $864 | -$536 | -38.3% |
| Maryland | $1,156 | -$244 | -17.4% |
| Massachusetts | $1,122 | -$278 | -19.9% |
| Michigan | $2,434 | $1,034 | 73.9% |
| Minnesota | $1,174 | -$226 | -16.1% |
| Mississippi | $1,676 | $276 | 19.7% |
| Missouri | $1,242 | -$158 | -11.3% |
| Montana | $1,504 | $104 | 7.4% |
| Nebraska | $1,104 | -$296 | -21.1% |
| Nevada | $1,680 | $280 | 20.0% |
| New Hampshire | $1,010 | -$390 | -27.9% |
| New Jersey | $1,566 | $166 | 11.9% |
| New Mexico | $1,242 | -$158 | -11.3% |
| New York | $1,476 | $76 | 5.4% |
| North Carolina | $806 | -$594 | -42.4% |
| North Dakota | $1,146 | -$254 | -18.1% |
| Ohio | $968 | -$432 | -30.9% |
| Oklahoma | $1,440 | $40 | 2.9% |
| Oregon | $1,282 | -$118 | -8.4% |
| Pennsylvania | $1,336 | -$64 | -4.6% |
| Rhode Island | $1,870 | $470 | 33.6% |
| South Carolina | $1,268 | -$132 | -9.4% |
| South Dakota | $1,182 | -$218 | -15.6% |
| Tennessee | $1,226 | -$174 | -12.4% |
| Texas | $1,688 | $288 | 20.6% |
| Utah | $1,036 | -$364 | -26.0% |
| Vermont | $960 | -$440 | -31.4% |
| Virginia | $838 | -$562 | -40.1% |
| Washington | $1,084 | -$316 | -22.6% |
| West Virginia | $1,282 | -$118 | -8.4% |
| Wisconsin | $970 | -$430 | -30.7% |
| Wyoming | $1,250 | -$150 | -10.7% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Kia K900 | $356 | $640 | $430 | $1,584 |
| 2020 Kia K900 | $336 | $618 | $442 | $1,554 |
| 2019 Kia K900 | $324 | $574 | $452 | $1,508 |
| 2018 Kia K900 | $310 | $540 | $456 | $1,464 |
| 2017 Kia K900 | $298 | $484 | $460 | $1,400 |
| 2016 Kia K900 | $278 | $446 | $460 | $1,342 |
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 Low Cost Kia K900 Insurance
Finding cheaper rates on insurance for a Kia K900 consists of avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to shop around every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The points below are a review of the information illustrated above.
- You may be able to save approximately $170 per year just by quoting early and online
- Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $439 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save up to $525 each year
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,620 more annually to insure a Kia K900
- Insureds who want increased liability limits will pay approximately $510 per year to raise from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,268 |
| 20 | $3,212 |
| 30 | $1,454 |
| 40 | $1,400 |
| 50 | $1,280 |
| 60 | $1,254 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,744 |
| $250 | $1,584 |
| $500 | $1,400 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,400 |
| 50/100 | $1,492 |
| 100/300 | $1,607 |
| 250/500 | $1,906 |
| 100 CSL | $1,538 |
| 300 CSL | $1,791 |
| 500 CSL | $1,975 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,504 |
| 20 | $5,114 |
| 30 | $3,084 |
| 40 | $3,024 |
| 50 | $2,888 |
| 60 | $2,862 |
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 | $75 |
| Multi-vehicle | $74 |
| Homeowner | $22 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $99 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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