Kia Niro Insurance Rates
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Michelle Robbins
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UPDATED: Apr 8, 2024
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The average auto insurance rates for a Kia Niro are $1,248 annually for full coverage. Comprehensive insurance costs an estimated $238 a year, collision insurance costs $400, and liability insurance is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs $2,698 or more. Teens cost the most to insure at up to $4,804 a year.
Average premium for full coverage: $1,248
Policy rates broken down by type of insurance:
Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Niro trim levels.
Price Range Variability
For the average 40-year-old driver, Kia Niro insurance rates range from as cheap as $504 for just the minimum liability insurance to a high of $2,698 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on insurance prices.
The examples above show why it is important to get quotes for a targeted area and their own personal driving habits, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below shows average Kia Niro insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $731
- Choosing higher $1,000 deductibles can save approximately $1,104 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,248
- Selecting low $100 deductibles for comp and collision coverage costs an additional $280 a year
- High-risk insureds with serious driving violations could pay up to $2,698
- Policy cost with full coverage for a teen driver can cost as much as $4,804 each year
Insurance rates for a Kia Niro also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $4,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $430 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Kia Niro insurance rates. A good driver about age 40 could pay as low as $820 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,780 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,130 | -$118 | -9.5% |
| Alaska | $956 | -$292 | -23.4% |
| Arizona | $1,036 | -$212 | -17.0% |
| Arkansas | $1,248 | -$0 | 0.0% |
| California | $1,422 | $174 | 13.9% |
| Colorado | $1,192 | -$56 | -4.5% |
| Connecticut | $1,284 | $36 | 2.9% |
| Delaware | $1,412 | $164 | 13.1% |
| Florida | $1,562 | $314 | 25.2% |
| Georgia | $1,152 | -$96 | -7.7% |
| Hawaii | $896 | -$352 | -28.2% |
| Idaho | $844 | -$404 | -32.4% |
| Illinois | $930 | -$318 | -25.5% |
| Indiana | $940 | -$308 | -24.7% |
| Iowa | $842 | -$406 | -32.5% |
| Kansas | $1,186 | -$62 | -5.0% |
| Kentucky | $1,704 | $456 | 36.5% |
| Louisiana | $1,848 | $600 | 48.1% |
| Maine | $770 | -$478 | -38.3% |
| Maryland | $1,028 | -$220 | -17.6% |
| Massachusetts | $998 | -$250 | -20.0% |
| Michigan | $2,168 | $920 | 73.7% |
| Minnesota | $1,044 | -$204 | -16.3% |
| Mississippi | $1,494 | $246 | 19.7% |
| Missouri | $1,106 | -$142 | -11.4% |
| Montana | $1,340 | $92 | 7.4% |
| Nebraska | $984 | -$264 | -21.2% |
| Nevada | $1,498 | $250 | 20.0% |
| New Hampshire | $900 | -$348 | -27.9% |
| New Jersey | $1,394 | $146 | 11.7% |
| New Mexico | $1,106 | -$142 | -11.4% |
| New York | $1,314 | $66 | 5.3% |
| North Carolina | $720 | -$528 | -42.3% |
| North Dakota | $1,024 | -$224 | -17.9% |
| Ohio | $862 | -$386 | -30.9% |
| Oklahoma | $1,280 | $32 | 2.6% |
| Oregon | $1,142 | -$106 | -8.5% |
| Pennsylvania | $1,192 | -$56 | -4.5% |
| Rhode Island | $1,664 | $416 | 33.3% |
| South Carolina | $1,130 | -$118 | -9.5% |
| South Dakota | $1,054 | -$194 | -15.5% |
| Tennessee | $1,092 | -$156 | -12.5% |
| Texas | $1,506 | $258 | 20.7% |
| Utah | $924 | -$324 | -26.0% |
| Vermont | $856 | -$392 | -31.4% |
| Virginia | $748 | -$500 | -40.1% |
| Washington | $964 | -$284 | -22.8% |
| West Virginia | $1,142 | -$106 | -8.5% |
| Wisconsin | $864 | -$384 | -30.8% |
| Wyoming | $1,112 | -$136 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Niro | $294 | $482 | $390 | $1,324 |
| 2023 Kia Niro | $282 | $478 | $398 | $1,316 |
| 2022 Kia Niro | $272 | $466 | $416 | $1,312 |
| 2021 Kia Niro | $262 | $446 | $430 | $1,296 |
| 2020 Kia Niro | $248 | $430 | $442 | $1,278 |
| 2019 Kia Niro | $238 | $400 | $452 | $1,248 |
| 2018 Kia Niro | $230 | $376 | $456 | $1,220 |
| 2017 Kia Niro | $220 | $338 | $460 | $1,176 |
Rates are averaged for all Kia Niro models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Kia Niro Insurance
Finding cheaper rates on Kia Niro insurance takes being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates once a year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a review of the data that was touched on in this article.
- Drivers can save approximately $150 per year just by quoting early and online
- Drivers who want higher levels of liability will pay approximately $500 each year to raise limits from a 30/60 limit to higher 250/500 limits
- Teenage drivers are charged the highest rates, costing up to $400 each month including comprehensive and collision insurance
- High-risk drivers who have several accidents or serious violations may pay on average $1,450 more annually for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,804 |
| 20 | $2,874 |
| 30 | $1,288 |
| 40 | $1,248 |
| 50 | $1,142 |
| 60 | $1,120 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,528 |
| $250 | $1,400 |
| $500 | $1,248 |
| $1,000 | $1,104 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,248 |
| 50/100 | $1,338 |
| 100/300 | $1,451 |
| 250/500 | $1,745 |
| 100 CSL | $1,384 |
| 300 CSL | $1,632 |
| 500 CSL | $1,813 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,824 |
| 20 | $4,578 |
| 30 | $2,742 |
| 40 | $2,698 |
| 50 | $2,578 |
| 60 | $2,556 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $65 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $53 |
| Advance Quote | $59 |
| Online Quote | $87 |
| Total Discounts | $517 |
Discounts are estimated and may not be available from every company or in every state.
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