Chrysler 300 vs Kia K900 Insurance Cost
The Kia K900 is cheaper to insure by about $100 a year for full coverage by our estimate ($1,500 vs. $1,400), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Chrysler 300 | Kia K900 | Difference |
|---|---|---|---|
| State minimum | $615 | $615 | — |
| Standard (100/300/100) | $890 | $890 | — |
| Full coverage | $1,500 | $1,400 | +$100 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = 300 minus K900.
Why one costs more to insure
| Factor | Chrysler 300 | Kia K900 |
|---|---|---|
| Segment | Full-size car | Full-size car |
| Powertrains | Gasoline, Flex-fuel | Gasoline |
| HLDI collision (100 = avg) | — | — |
| HLDI comprehensive | — | — |
| HLDI property damage liability | — | — |
| HLDI bodily injury liability | — | — |
| NHTSA overall rating | 4★ | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 5 | 3 |
300 vs K900 insurance by state
By driver profile (full coverage)
| Driver | 300 | K900 |
|---|---|---|
| Teen driver (18, own policy) | $4,125 | $3,850 |
| Young adult (22) | $2,400 | $2,240 |
| Adult in their 30s | $1,500 | $1,400 |
| Adult in their 50s | $1,380 | $1,290 |
| Senior (72) | $1,680 | $1,570 |
| 30s, one at-fault accident | $2,175 | $2,030 |
| 30s, DUI on record | $2,775 | $2,590 |
More comparisons
Frequently asked questions
Is the Chrysler 300 or the Kia K900 cheaper to insure?
By our estimate the Kia K900 is cheaper, by about $100 a year for full coverage ($1,500 vs. $1,400) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Chrysler 300 and Kia K900?
Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.