Kia K900 Car Insurance: How Much Should You Expect to Pay?

Kia K900 owners pay an average of $173 per month for their auto insurance prices. Take a look at our newest guide to find out how much insurance carriers might charge you to insure your Kia K900.

Quick Facts

  • It costs about the same to insure a Kia K900 as the average car.

  • Liability car insurance for a K900 tends to be around $108 a month, while full coverage normally comes in at about $178.

  • Workmens is the cheapest auto insurance carrier for a K900.

K900 Overview

The Kia K900 is a high-end car for drivers with extra room in their budgets, with a base price of $59,900 for 2020 models.

We crunched the numbers on thousands of insurance quotes on Compare.com, and we've found that Kia K900 auto insurance premiums are around $173 monthly, on average. But compared to other vehicles in the market, are K900 insurance rates higher or lower than those of similar cars?

Current Base Price$59,900
Body Style(s)Car
Trim LevelsLUXURY
Average Insurance Premium$173/mo.
Cheapest Insurance CompanyWorkmens

How Much is Car Insurance for a Kia K900?

Vehicle Liability Only Full Coverage
Kia K900$108$178
All Kia Models$85$170
All Cars$83$177
Average Insurance Premium$81$169

If you look at the table above, you'll see that compared to other vehicles on the road, Kia K900 insurance premiums are about average. On average, K900 drivers will pay around $178 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $108 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

When compared to other models, the K900 is on par with the other vehicle types offered by Kia. But K900 coverage is above average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging more expensive rates than other cars.

When compared to all vehicles of any body type, the K900 has more expensive prices than average for both full coverage and liability only car insurance.

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Who has the Cheapest Car Insurance for a Kia K900?

Insurance Company Average Monthly Premium
Mercury$48
MetLife$52
Sun Coast$53
Amica$75
AnswerFinancial$86

Shopping around for an auto insurance policy for your Kia K900? You might be wondering which company offers the most affordable premiums. Although there will never be one carrier that offers the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $48 a month from Mercury. The next lowest company is MetLife, who offers auto insurance sometimes as low as $52 a month.

Completing the top 5 companies are Sun Coast, Amica, and AnswerFinancial. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Kia K900.

After all, your results might be different, since car insurance companies look at a lot of different factors when calculating rates. Since every driver is different, there's only one way to make sure you get the cheapest premiums, and that's by getting personalized quotes and comparing rates from many insurance carriers.

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What Factors Affect Car Insurance Rates for a Kia K900?

There are a whole bunch of factors that car insurance companies take into account to choose how much they charge you for insurance -- and every carrier uses a different method, so there's not one single company that's the lowest for each K900 owner.

The following sections show a lot of things auto insurance carriers use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$104
2-3 Years$48
4-5 Years$59
6-7 Years$134
8-10 YearsNot Enough Data
11-14 YearsNot Enough Data
15 Years or OlderNot Enough Data

The Kia K900 has been around for a while, so vehicle age may play a role in what you end up paying for car insurance. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and K900s begin to depreciate, insurance costs will gradually get lower.

According to the table above, the Kia K900 is not quite in line with this trend, as the most expensive models to insure are those that are 6 to 7 years old, while the cheapest K900s are 2 to 3 years old, on average.

Your Age

Age Average Monthly Premium
Under 18Not Enough Data
18-24$105
25-34$151
35-44$53
45-54$48
55-64$52
65 or OlderNot Enough Data

Age is another variable that makes a big difference in how much insurance companies will charge. Based on the information in the table above, drivers under 24 have cheaper premiums than drivers with more experience.

Auto insurance prices continue to go lower as you get older, with the cheapest age group for K900 drivers being 45-54.

Your Gender

Gender Average Monthly Premium
Male$88
Female$167

Because women are less likely to get speeding tickets and get into accidents, they have a decreased chance of filing a claim with insurance. So, women tend to pay less for auto insurance than men. Surprisingly, when it comes to K900 drivers specifically, men pay about 47% less than women a month for insurance.

Where You Live

State Average Monthly Premium
California$37
Florida$196
Georgia$52
Illinois$121
Texas$48

It may be obvious that variables like what vehicle you drive and how old you are play a role in your car insurance prices, but did you know that where you live is equally important? Car insurance is regulated on a state-by-state basis, so rates differ quite a bit depending on what state you live in.

For example, Florida has rates for K900 owners that are more expensive than other states.

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Kia K900 Car Insurance Discounts

Regardless of how old you are, which car you drive, or what state you call home, it's always the smart move to take advantage of as many auto insurance discounts as possible.

While no two car insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include discounts like:

  • Multi-vehicle discounts for having several cars on your auto policy
  • Pay-in-full discounts for agreeing to pay your entire policy premium at once, rather than by monthly payments
  • Defensive driving discounts for taking a defensive driving class from a certified school or institution
  • Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings

While taking advantage of discounts is always a smart way to save money on your insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

While you can't control every single aspect of your auto insurance profile (like some of the variables we mentioned above), there is quite bit in your control. Below are just a few of the ones you can use to your favor when it comes to saving some cash:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$177
Multiple AccidentsNot Enough Data
1 Ticket$86
Multiple TicketsNot Enough Data

You've most likely noticed ads from insurance carriers offering big discounts for responsible drivers. And you probably wouldn't be surprised that your auto insurance premiums will get higher if you get into an accident or get tickets. But exactly how much can it cost you for these infractions?

As you can tell, accidents will usually cost K900 drivers more than tickets, but both will result in above average rates. Kia K900 drivers with one ticket will pay about $86 per month, while drivers with a single accident on their record pay an average of $177 each month (up $69 from the $108/mo. overall average). The rates only go up the more tickets you get or accidents you have.

How Much You Drive

Annual Mileage Average Monthly Premium
2,501-5,000 Miles$139
5,001-7,500 Miles$83
7,501-10,000 Miles$91
10,000+ Miles$52

The amount of miles you drive annually impacts your car insurance prices. Those who are on the roads less often are more likely to go accident-free, so they'll typically end up paying less for insurance.

If you drive a limited amount, you might consider choosing a usage-based or pay-per-mile car insurance policy. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Kia K900s Compare to Other Vehicles?

If you're considering making a Kia K900 your next car, you might be wondering how it compares to other vehicles. Insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth considering carefully.

Review the table below to see how the Kia K900 stacks up:

Kia K900 National Average
Liability Insurance-$81
Full Coverage Insurance$185$169
Base MSRP$59,900$46,538
Average Annual Mileage7,29111,660

With an MSRP that's a quarter more than the going rate for a new vehicle, the Kia K900 is more expensive than average. While the average vehicle price in the U.S. is $46,538, the K900 comes in above that at $59,900.

Full coverage insurance for a Kia K900 is around $16 per month more than average, while liability only coverage is monthly.

When it comes to usage, Kia K900 drivers are much lower than the national average in annual miles driven, with 7,291 miles per year compared to 11,660 for all vehicles.

Kia K900 Car Insurance Costs by Model Year

Thus far, you've seen how different factors have an impact on how much the average driver pays for auto insurance. If you're thinking about buying a new vehicle and the K900 is one you're considering, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

For this reason, we've decided to break down Kia K900 car insurance rates by model year. Simply choose a specific K900 model year in the dropdown below and see average rates for both full coverage and liability only insurance. You'll also find some other helpful info, like cheapest insurance carrier available trims for each K900 model year.

2019 Kia K900 Car Insurance

   
Liability Only Avg. Premium$121
Full Coverage Avg. Premium$170
Base MSRP$59,900
Cheapest Insurance CompanyJupiter - $121/mo.
Available TrimsLUXURY

You can expect full coverage for a 2019 K900 to run about $170 a month, while liability only coverage will average around $121 per month.

Jupiter offered the most affordable policy we found, with rates sometimes as little as $121 a month.

What will your auto insurance rate be? Enter your ZIP code below to get several customized quotes for free.

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2017 Kia K900 Car Insurance

   
Liability Only Avg. Premium$42
Full Coverage Avg. Premium$178
Base MSRP$49,900
Cheapest Insurance CompanyMercury - $37/mo.
Available TrimsK900

On average, drivers who own a 2017 Kia K900 can expect to pay $42 to $178 monthly for liability only and full coverage insurance, respectively.

With premiums as low as $37 per month, Mercury offered the cheapest policy we found for the 2017 Kia K900.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2016 Kia K900 Car Insurance

   
Liability Only Avg. Premium$52
Full Coverage Avg. Premium$155
Base MSRP$49,000
Cheapest Insurance CompanyMetLife - $52/mo.
Available TrimsK900

It costs about $52 a month for liability or $155 for a full coverage policy for the 2016 K900.

Looking for the lowest policy? MetLife offered liability only coverage for as little as $52 monthly.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2015 Kia K900 Car Insurance

   
Liability Only Avg. Premium$125
Full Coverage Avg. Premium$181
Base MSRP$54,500
Cheapest Insurance CompanyMercury - $58/mo.
Available TrimsK900

The average cost to insure a 2015 Kia K900 with liability only coverage is $125 a month, while full coverage runs around $181 monthly.

We found Mercury offered the most affordable policy, with rates as little as just $58 per month.

If you want to find the best rates for car insurance for a 2015 Kia K900, enter your ZIP code below and compare a variety of personalized quotes in just a few minutes.

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Kia K900 Insurance FAQs

Is a Kia K900 expensive to insure?

Liability insurance runs an average of $108 a month, while full coverage will cost you around $178. The cost of insurance for the Kia K900 is about on par with the average vehicle.

How can I get the best price on car insurance for my Kia K900?

There's only one way to ensure you're getting the lowest rates -- regularly shopping around and comparing quotes from a wide array of companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a bunch of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Kia K900 affect my insurance premiums?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's actually not true. There are multiple variables auto insurance companies consider when they offer rates, but the color of your Kia K900 is not on that list.

Do I need to have insurance before I buy a Kia K900?

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) car off the dealership lot. Some dealerships might offer you a car insurance policy as part of the car-buying process, but the easiest thing to do is to let your insurance company know before you buy.

What car insurance discounts can I get for my Kia K900?

You will find a variety of discounts out there for auto insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are based less on your K900 and more on you, but if your K900 has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to find out which discounts you might get is to contact your insurance carrier and ask about their list of discounts, since they change quite a bit from company to company.

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