Cheaper Kia K900 Insurance in 2025: Pitfalls to Avoid

How much does Kia K900 insurance cost? We compare car insurance rates for the K900 luxury sedan against the rest of the large luxury car segment to see how it ranks.

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How much does Kia K900 car insurance cost?

Kia K900 car insurance rates average $2,888 yearly, or $241 each month. With the average full-size luxury sedan costing $3,320 a year to insure, the Kia K900 could save an estimated $432 or more every 12 months.

The chart below details how average 2021 Kia K900 car insurance cost varies based on the age of the rated driver and $250, $500, and $1,000 deductibles.

Average 2021 Kia K900 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2021 Kia K900 car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2021 model year Kia K900. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2021 Kia K900 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,912$409
$500$5,836$486
$250$6,814$568
30-Year-Old$1,000$2,574$215
$500$3,084$257
$250$3,616$301
40-Year-Old$1,000$2,418$202
$500$2,888$241
$250$3,378$282
50-Year-Old$1,000$2,146$179
$500$2,552$213
$250$2,972$248
60-Year-Old$1,000$2,010$168
$500$2,388$199
$250$2,784$232

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2021 Kia K900. Updated June 27, 2025

Where does K900 insurance cost rank?

The Kia K900 ranks fourth out of 21 total comparison vehicles in the large luxury car category. The K900 costs an average of $2,888 per year to insure, while the segment average rate is $3,320 annually, a difference of $432 per year.

When compared to the more popular vehicles in the large luxury car segment, insurance for a Kia K900 costs $530 more per year than the Audi A5, $568 less than the BMW 740i, $758 less than the Porsche Panamera, and $150 less than the Infiniti Q60.

The table below shows how average insurance rates for a 2021 Kia K900 fare against the rest of the large luxury sedan segment.

Insurance Cost Comparison: Kia K900 vs Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Audi A5$2,358-$530
2Volvo S90$2,520-$368
3Lexus LS 500H$2,834-$54
4Kia K900$2,888--
5Lexus LS 500$2,980$92
6Mercedes-Benz AMG E53$3,026$138
7Infiniti Q60$3,038$150
8Genesis G90$3,046$158
9Mercedes-Benz AMG CLS53$3,118$230
10BMW 840i$3,184$296
11Mercedes-Benz S450$3,324$436
12BMW M850i$3,342$454
13BMW 740i$3,456$568
14BMW 850i$3,484$596
15Mercedes-Benz E63 AMG$3,500$612
16Porsche Panamera$3,646$758
17Audi A8$3,704$816
18Mercedes-Benz S560$3,738$850
19BMW 750i$3,754$866
20BMW M760i$4,238$1,350
21Mercedes-Benz AMG S63$4,532$1,644

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2021 model year. Updated June 26, 2025

At $2,888 per year, insurance cost for a 2021 Kia K900 ranks fourth out of 21 models in the large luxury car segment
At $2,888 per year, insurance cost for a 2021 Kia K900 ranks fourth out of 21 models in the large luxury car segment

Some other noteworthy insights about insuring a Kia K900 include:

  • Earn policy discounts to save money. Discounts may be available if the insureds are claim-free, insure their home and car with the same company, are good students, drive low annual mileage, sign their policy early, or other policy discounts which could save the average driver as much as $494 per year on Kia K900 insurance.
  • Clean up your credit to lower your rates. Having a high credit rating of over 800 could save as much as $453 per year versus a lower credit rating of 670-739. Conversely, a poor credit rating could cost as much as $526 more per year.
  • Higher physical damage deductibles lower policy costs. Increasing your policy deductibles from $500 to $1,000 could save around $470 per year for a 40-year-old driver and $924 per year for a 20-year-old driver.
  • The lower deductible you choose, the higher the policy cost. Decreasing deductibles from $500 to $250 could cost an additional $490 per year for a 40-year-old driver and $978 per year for a 20-year-old driver.
  • High-risk insurance is expensive. For a 30-year-old driver, being required to buy a high-risk insurance policy could inflate rates by $3,574 or more per year.
  • Earn a discount from your job. Many car insurance providers offer policy discounts for being employed in occupations like firefighters, lawyers, police officers and law enforcement, emergency medical technicians, and others. Getting this discount could save between $87 and $217 on your yearly insurance cost, subject to the policy coverages selected.
  • The cost to insure teenage drivers is high. Average rates for full coverage K900 insurance costs $10,294 per year for a 16-year-old driver, $9,992 per year for a 17-year-old driver, and $8,991 per year for an 18-year-old driver.