Kia EV9 Insurance Cost
Full coverage for a Kia EV9 costs about $1,515 a year ($126/month) by our estimate — ▼ −5% versus the average vehicle, ranking 101st cheapest of 310 current models.
Kia EV9 insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2024–2026 model years of the Kia EV9.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $505 | $42 | $410–$595 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $730 | $61 | $595–$860 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,515 | $126 | $1,245–$1,790 |
What drives the cost of insuring a Kia EV9
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Kia EV9's results put our vehicle factor at 0.82× for liability, 1.21× for collision and 1.12× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 122 | Much worse than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 114 | Worse than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 75 | Much better than average | Damage this car does to other vehicles and property |
HLDI results by body style / drivetrain (2)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| Kia EV9 electric 4dr 4WD | 122 | 114 | 75 | — |
| Kia EV9 electric 4dr | 137 | — | — | — |
- Repair and parts costs: Midsize SUV — mainstream parts availability keeps repairs moderate.
- Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
- Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
- Recalls & complaints: 10 NHTSA recall campaigns and 250 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Kia EV9 trims and configurations (2026)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPGe (comb.) | Range |
|---|---|---|---|---|
| EV9 GT | AWD | Electric | 78 | 260 mi |
| EV9 Long Range AWD | AWD | Electric | 84 | 283 mi |
| EV9 Long Range AWD GT-Line | AWD | Electric | 82 | 280 mi |
| EV9 Long Range RWD | RWD | Electric | 89 | 305 mi |
| EV9 Standard Range RWD | RWD | Electric | 88 | 230 mi |
Kia EV9 insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPGe | Est. full / yr |
|---|---|---|---|---|
| 2026 | Electric | AWD, RWD | — | $1,515 |
| 2025 | Electric | AWD, RWD | — | $1,480 |
| 2024 | Electric | AWD, RWD | — | $1,445 |
Kia EV9 insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.
| State | Full coverage | Minimum | vs. national |
|---|---|---|---|
| Alabama | $1,345 | $395 | −11% |
| Alaska | $1,335 | $510 | −12% |
| Arizona | $1,580 | $540 | +4% |
| Arkansas | $1,380 | $365 | −9% |
| California | $1,515 | $470 | 0% |
| Colorado | $1,740 | $535 | +15% |
| Connecticut | $1,585 | $580 | +5% |
| Delaware | $1,635 | $655 | +8% |
| District of Columbia | $1,925 | $610 | +27% |
| Florida | $2,065 | $885 | +36% |
| Georgia | $1,820 | $715 | +20% |
| Hawaii | $1,065 | $355 | −30% |
| Idaho | $1,035 | $330 | −32% |
| Illinois | $1,330 | $410 | −12% |
| Indiana | $1,095 | $330 | −28% |
| Iowa | $1,075 | $255 | −29% |
| Kansas | $1,255 | $330 | −17% |
| Kentucky | $1,270 | $430 | −16% |
| Louisiana | $2,080 | $650 | +37% |
| Maine | $985 | $350 | −35% |
| Maryland | $1,685 | $615 | +11% |
| Massachusetts | $1,495 | $485 | −1% |
| Michigan | $1,665 | $625 | +10% |
| Minnesota | $1,295 | $385 | −15% |
| Mississippi | $1,475 | $435 | −3% |
| Missouri | $1,395 | $420 | −8% |
| Montana | $1,255 | $320 | −17% |
| Nebraska | $1,255 | $330 | −17% |
| Nevada | $1,660 | $710 | +10% |
| New Hampshire | $1,095 | $330 | −28% |
| New Jersey | $1,770 | $765 | +17% |
| New Mexico | $1,375 | $425 | −9% |
| New York | $1,980 | $760 | +31% |
| North Carolina | $1,170 | $365 | −23% |
| North Dakota | $1,025 | $225 | −32% |
| Ohio | $1,100 | $330 | −27% |
| Oklahoma | $1,405 | $385 | −7% |
| Oregon | $1,325 | $510 | −13% |
| Pennsylvania | $1,355 | $350 | −11% |
| Rhode Island | $1,795 | $670 | +18% |
| South Carolina | $1,585 | $600 | +5% |
| South Dakota | $1,230 | $260 | −19% |
| Tennessee | $1,290 | $370 | −15% |
| Texas | $1,825 | $565 | +20% |
| Utah | $1,345 | $535 | −11% |
| Vermont | $1,025 | $260 | −32% |
| Virginia | $1,305 | $515 | −14% |
| Washington | $1,295 | $485 | −15% |
| West Virginia | $1,305 | $355 | −14% |
| Wisconsin | $1,060 | $305 | −30% |
| Wyoming | $1,260 | $265 | −17% |
Kia EV9 insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,380 | $2,005 | $4,170 | $348 |
| Young adult (22) | $805 | $1,165 | $2,425 | $202 |
| Adult in their 30s | $505 | $730 | $1,515 | $126 |
| Adult in their 50s | $460 | $670 | $1,395 | $116 |
| Senior (72) | $565 | $815 | $1,700 | $142 |
| 30s, one at-fault accident | $730 | $1,055 | $2,200 | $183 |
| 30s, DUI on record | $930 | $1,350 | $2,805 | $234 |
Kia EV9 vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Kia EV9 | $1,515 | 122 | 114 | — |
| Jeep Wrangler | $1,355 | 47 | 42 | — |
| Tesla Model Y | $1,505 | 118 | 77 | — |
| Nissan Murano | $1,465 | 90 | 90 | — |
Estimate Kia EV9 insurance for your ZIP code
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Other Kia models
- Carnival $1,470/yr
- EV3 $1,545/yr
- K4 $1,545/yr
- K5 $2,005/yr
- Niro $1,725/yr
- Seltos $1,550/yr
- Sorento $1,580/yr
- Sportage $1,615/yr
- Telluride $1,400/yr
- EV6 $1,680/yr
- Soul $1,595/yr
- Forte $1,955/yr
- Rio $1,455/yr
- Stinger $1,445/yr
- Sedona $1,255/yr
- Cadenza $1,400/yr
- K900 $1,400/yr
- Optima $1,390/yr
- Rondo $1,135/yr
- Borrego $1,190/yr
- Amanti $1,260/yr
- Spectra $1,255/yr
Frequently asked questions
How much is insurance for a Kia EV9?
We estimate about $1,515 a year ($126 a month) for full coverage and $505 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 5% less than the average vehicle.
Is the Kia EV9 expensive to insure?
HLDI insurance-loss data rates it at 122 for collision and 114 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.
Which state is cheapest to insure a Kia EV9?
Maine has the lowest estimate (about $985 a year for full coverage) and Louisiana the highest (about $2,080).
What is the Kia EV9's NHTSA safety rating?
The 2026 Kia EV9 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the Kia EV9 cheaper to insure than the Jeep Wrangler?
By our estimate the Kia EV9 costs about $1,515 a year versus $1,355 for the Jeep Wrangler, making the Jeep Wrangler cheaper to insure.
How much is Kia EV9 insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,170 a year at national-average rates by our estimate.
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.
- NAIC Auto Insurance Database Report (state and national average premiums)
- fueleconomy.gov / EPA vehicle data (model years, trims, powertrains)
- NHTSA vPIC vehicle database
- IIHS-HLDI insurance losses by make and model (2022-2024 models)
- NHTSA 5-Star Safety Ratings
- NHTSA recalls and complaints database