Toyota Avalon vs Kia K900 Insurance Cost

The Kia K900 is cheaper to insure by about $40 a year for full coverage by our estimate ($1,440 vs. $1,400), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Toyota Avalon	Kia K900	Difference
State minimum	$595	$615	−$20
Standard (100/300/100)	$865	$890	−$25
Full coverage	$1,440	$1,400	+$40

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Avalon minus K900.

Why one costs more to insure

Factor	Toyota Avalon	Kia K900
Segment	Full-size car	Full-size car
Powertrains	Gasoline, Hybrid	Gasoline
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	5★	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	4	3

Avalon vs K900 insurance by state

State	Avalon	K900	Difference
Alabama	$1,245	$1,200	+$45
Alaska	$1,255	$1,220	+$35
Arizona	$1,510	$1,475	+$35
Arkansas	$1,250	$1,200	+$50
California	$1,400	$1,350	+$50
Colorado	$1,625	$1,575	+$50
Connecticut	$1,540	$1,510	+$30
Delaware	$1,625	$1,605	+$20
District of Columbia	$1,810	$1,750	+$60
Florida	$2,090	$2,070	+$20
Georgia	$1,800	$1,775	+$25
Hawaii	$985	$950	+$35
Idaho	$975	$945	+$30
Illinois	$1,240	$1,200	+$40
Indiana	$1,020	$985	+$35
Iowa	$960	$915	+$45
Kansas	$1,135	$1,085	+$50
Kentucky	$1,215	$1,180	+$35
Louisiana	$1,995	$1,945	+$50
Maine	$910	$875	+$35
Maryland	$1,620	$1,585	+$35
Massachusetts	$1,415	$1,370	+$45
Michigan	$1,560	$1,515	+$45
Minnesota	$1,190	$1,145	+$45
Mississippi	$1,365	$1,315	+$50
Missouri	$1,300	$1,255	+$45
Montana	$1,130	$1,080	+$50
Nebraska	$1,135	$1,090	+$45
Nevada	$1,680	$1,665	+$15
New Hampshire	$1,020	$985	+$35
New Jersey	$1,755	$1,730	+$25
New Mexico	$1,285	$1,245	+$40
New York	$1,950	$1,915	+$35
North Carolina	$1,060	$1,015	+$45
North Dakota	$900	$855	+$45
Ohio	$1,020	$985	+$35
Oklahoma	$1,280	$1,230	+$50
Oregon	$1,305	$1,285	+$20
Pennsylvania	$1,245	$1,200	+$45
Rhode Island	$1,750	$1,720	+$30
South Carolina	$1,550	$1,525	+$25
South Dakota	$1,075	$1,015	+$60
Tennessee	$1,185	$1,140	+$45
Texas	$1,695	$1,635	+$60
Utah	$1,320	$1,295	+$25
Vermont	$920	$880	+$40
Virginia	$1,235	$1,200	+$35
Washington	$1,265	$1,240	+$25
West Virginia	$1,190	$1,140	+$50
Wisconsin	$975	$940	+$35
Wyoming	$1,095	$1,035	+$60

By driver profile (full coverage)

Driver	Avalon	K900
Teen driver (18, own policy)	$3,960	$3,850
Young adult (22)	$2,305	$2,240
Adult in their 30s	$1,440	$1,400
Adult in their 50s	$1,325	$1,290
Senior (72)	$1,615	$1,570
30s, one at-fault accident	$2,090	$2,030
30s, DUI on record	$2,665	$2,590

More comparisons

Frequently asked questions

Is the Toyota Avalon or the Kia K900 cheaper to insure?

By our estimate the Kia K900 is cheaper, by about $40 a year for full coverage ($1,440 vs. $1,400) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Avalon 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.

Sources used on this page