KIA K900 Car Insurance Cost 2025
The average annual cost to insure a KIA K900 is around $1,611. However, your actual rate may vary depending on factors such as your age, the car’s model year, and other personal details. Check the quote tables below for a personalized estimate.
We’ve saved shoppers an average of $600 per year on their car insurance.
Insuring a 2025 Kia K900 typically costs around $1,611 per year, or approximately $134 per month, making it one of the more expensive Kia models to insure.
This higher premium is due to its status as a full-size luxury sedan, which often entails increased repair costs and higher vehicle value. Insurance rates can vary based on factors such as location, driving history, and coverage options.
For instance, some insurance providers offer premiums as low as $48 per month, while others may charge up to $125 monthly. To find the most competitive rates, it’s advisable for K900 owners to compare quotes from multiple insurers.
How Much Does KIA K900 Car Insurance Cost?
On average, KIA K900 drivers can expect to pay around $1,611 per year for car insurance.
The cost of car insurance can vary greatly due to several factors, including your location, driving history, vehicle model year, and chosen coverage options. Maintaining a clean driving record can help lower your premiums, while accidents or violations may increase them.
Living in a busy urban area with heavy traffic typically results in higher insurance rates compared to rural areas with less congestion. Additionally, the type of coverage you select will affect your premium—comprehensive coverage, which includes both comprehensive and collision, tends to cost more than minimum liability coverage.
As shown in the table below, the insurance cost for a KIA K900 is higher than the average for all KIA models, and also more expensive than the average cost for all cars. Insuranceopedia can help you compare quotes from various providers to find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| KIA K900 | $179 |
| All KIAs | $171 |
| All Cars | $175 |
Average Insurance Cost Of KIA K900 By Model Year
| Model Year | Average Premium |
| 2025 KIA K900 | $1,574 |
| 2021 KIA K900 | $3,428 |
| 2020 KIA K900 | $1,484 |
| 2019 KIA K900 | $1,880 |
| 2018 KIA K900 | $5,379 |
| 2017 KIA K900 | $1,871 |
| 2016 KIA K900 | $1,815 |
| 2015 KIA K900 | $1,107 |
2025 KIA K900 Insurance Rates
The average annual insurance cost for a 2025 KIA K900 is $1,574. However,Erie Insurance offers the cheapest rates, averaging $955 per year.
| Insurance Provider | Average Annual Cost |
| Erie Insurance | $955 |
| Nationwide | $1,290 |
| Plymouth Rock Assurance | $1,710 |
| USAA | $2,205 |
| Mercury | $1,855 |
| GEICO | $1,890 |
| American Family | $1,600 |
| Vermont Mutual | $2,090 |
| Allied |
$1,065 |
| MetLife | $1,080 |
2021 KIA K900 Insurance Rates
The average annual insurance cost for a 2021 KIA K900 is $3,428. However, Nationwide offers the cheapest rates, averaging $1,021 per year.
| Insurance Provider | Average Annual Cost |
| Safe Auto | $7,034 |
| Nationwide | $1,021 |
| Encompass | $1,745 |
| Bristol West | $3,911 |
2020 KIA K900 Insurance Rates
The average annual insurance cost for a 2020 KIA K900 is $3,428. However, Grange Mutual offers the cheapest rates, averaging $981 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $1,622 |
| Grange Mutual | $981 |
| Frankenmuth Mutual | $1,938 |
| National General | $1,313 |
| Direct Auto | $1,024 |
| American Family | $1,633 |
| Westfield | $1,844 |
| Texas Farm Bureau Group | $1,256 |
| Hastings Mutual Insurance Co | $1,463 |
| Virginia Farm Bureau | $1,762 |
2019 KIA K900 Insurance Rates
The average annual insurance cost for a 2019 KIA K900 is $1,880. However, State Farm offers the cheapest rates, averaging $1,194 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,823 |
| Capital Insurance Group | $1,386 |
| Travelers | $2,448 |
| Oregon Mutual | $2,110 |
| Safeco | $2,331 |
| GMAC Insurance Group | $2,207 |
| Nationwide | $1,751 |
| PEMCO | $2,113 |
| Unitrin | $1,436 |
| State Farm | $1,194 |
2018 KIA K900 Insurance Rates
The average annual insurance cost for a 2018 KIA K900 is $5,379. However, State Farm offers the cheapest rates, averaging $716 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $1,823 |
| Home State Ins Group | $3,291 |
| Safe Auto | $12,370 |
| Direct Auto | $17,795 |
| State Farm | $716 |
| Nationwide | $1,587 |
| NatGen Value | $3,210 |
| Unitrin | $2,243 |
2017 KIA K900 Insurance Rates
The average annual insurance cost for a 2017 KIA K900 is $1,871. However, Westfield offers the cheapest rates, averaging $976 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $2,119 |
| California Capital | $2,328 |
| Esurance | $2,174 |
| Westfield | $976 |
| USAA | $1,955 |
| Hartford | $2,382 |
| Nationwide | $2,017 |
| Texas Farm Bureau Group | $1,125 |
| American Family | $1,642 |
| Farm Bureau Mutual (IA Group) | $1,992 |
2016 KIA K900 Insurance Rates
The average annual insurance cost for a 2016 KIA K900 is $1,815. However, Virginia Farm Bureau offers the cheapest rates, averaging $786 per year.
| Insurance Provider | Average Annual Cost |
| Allstate | $3,334 |
| Virginia Farm Bureau | $786 |
| Metropolitan | $2,010 |
| Bristol West | $1,598 |
| Mercury | $2,335 |
| Farmers | $1,795 |
| State Farm | $2,304 |
| Travelers | $1,716 |
| American Family | $1,088 |
| Westfield | $1,188 |
2015 KIA K900 Insurance Rates
The average annual insurance cost for a 2015 KIA K900 is $1,107. However, Safeco offers the cheapest rates, averaging $187 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica | $758 |
| Safeco | $187 |
| Erie | $1,604 |
| MO Farm Bureau Services | $1,554 |
| AssuranceAmerica Mobile Max | $787 |
| Titan | $1,238 |
| AssuranceAmerica Economy | $1,513 |
| Texas Farm Bureau Group | $1,148 |
| Utica National Ins Group | $1,082 |
| SafeAuto | $1,197 |
Find Affordable KIA K900 Insurance Rates
Are KIA K900s Expensive To Insure?
The Kia K900, as a luxury sedan, generally incurs higher insurance premiums compared to other Kia models. According to recent data, the average annual insurance cost for a Kia K900 is approximately $2,234, translating to about $186 per month . This elevated cost is attributed to factors such as the vehicle’s high market value, advanced technological features, and potentially higher repair expenses. However, actual insurance rates can vary significantly based on individual factors like driving history, location, and chosen coverage options. It’s advisable for K900 owners to compare quotes from multiple insurers to find the most competitive rates tailored to their specific circumstances.
Cheapest Car Insurance Companies For A KIA K900
The 2025 Kia K900, being a full-size luxury sedan, generally incurs higher insurance premiums compared to standard vehicles. However, rates vary among providers. Mercury Insurance offers one of the most competitive rates, making it an attractive option for cost-conscious drivers. MetLife and Sun Coast provide mid-range premiums, balancing cost with comprehensive coverage options. Amica and AnswerFinancial, while slightly higher in cost, are recognized for their strong customer service and extensive agent networks.
| Insurance Company | Average Monthly |
| Mercury Insurance | $96 |
| MetLife | $101 |
| Sun Coast | $105 |
| Amica | $111 |
| AnswerFinancial | $116 |
Common KIA K900 Insurance Discounts
Discounts can be a great way to reduce your car insurance costs. While each provider offers its own set of discounts, some common ones to check for include:
- Multi-policy discount: Bundling your home and auto insurance with the same provider can often lead to a lower rate.
- Annual payment discount: Paying your premium in full instead of monthly installments may save you money.
- Defensive driving discount: Completing a defensive driving course from a certified institution may qualify you for a discount.
There could be other discounts available, so it’s a good idea to talk to your insurance agent to find out which ones you may be eligible for.
Ways To Save On KIA K900 Insurance Costs
Maintaining a clean driving record is key to keeping your KIA K900 insurance costs low. A speeding ticket can increase your premium to about $87 per month, while multiple accidents can raise it to an average of $140 per month. By avoiding these incidents, you can keep your insurance more affordable.
Additionally, drivers who have low annual mileage typically pay less for insurance. The fewer miles you drive, the lower the risk of accidents, which makes you less expensive to insure.
KIA K900 drivers who drive between 2,501-5,000 miles per year can expect to pay about $137 per month, whereas those driving over 10,000 miles annually pay an average of $53 per month.
Compare KIA K900 To Other KIA Models
Looking for other KIA model insurance costs?
- KIA Forte Car Insurance
- KIA Niro Car Insurance
- KIA Optima Car Insurance
- KIA Rio Car Insurance
- KIA Sedona Car Insurance
- KIA Sorento Car Insurance
- KIA Soul Car Insurance
- KIA Sportage Car Insurance
- KIA Stinger Car Insurance
- KIA Telluride Car Insurance
- KIA Cadenza Car Insurance
- KIA Soul EV Car Insurance
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, actual rates may vary based on individual factors.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A KIA K900?
Yes, you will need to show proof of insurance before driving your KIA K900 off the dealership lot. The best approach is to purchase a policy beforehand and notify your insurance company about the car purchase, rather than opting for insurance through the dealership.
How Can You Get The Cheapest Insurance For Your KIA K900?
To find the most affordable rates for your KIA K900, it’s best to shop around and compare quotes from various auto insurance companies. Fortunately, Insuranceopedia makes this easy by allowing you to compare quotes from multiple providers directly on their website.
