Kia Niro Insurance Rates

The average insurance rates for a Kia Niro are $1,220 a year with full coverage. Comprehensive insurance costs on average $230, collision insurance costs $376, and liability is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs $2,636 or more. Teen drivers cost the most to insure at up to $4,720 a year.

Average premium for full coverage: $1,220

Policy rates by type of insurance:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Niro models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than larger metro areas. The example below illustrates the effect of geographic area on car insurance rates.

The examples above demonstrate why everyone should compare rates quotes based on a specific location, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below details average Kia Niro insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $717
• Raising to $1,000 deductibles will save around $138 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,220
• Choosing pricier low deductibles will cost an additional $266 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,636
• Policy cost that insures a 16-year-old driver for full coverage may cost $4,720

View Chart as Image

Insurance rates for a Kia Niro also range considerably based on the model of your Niro, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,500 to $2,000 additional every year, depending on your age. Kia Niro insurance for high-risk drivers is expensive and can cost from 42% to 137% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age

Your home state also has a big influence on Kia Niro insurance prices. A middle-age driver might find rates as low as $880 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,650 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $410 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Kia Niro Insurance

Finding cheaper rates on insurance for a Kia Niro consists of being a good driver, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Shop around at every policy renewal by getting quotes from direct companies, and also from several local insurance agents.

The following list is a brief summary of the data covered in the above illustrations.

• Insureds who require an increased level of liability coverage will pay about $500 every year to raise from a 30/60 limit to the 250/500 level
• You may be able to save as much as $140 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Drivers age 16 to 20 pay higher rates, as much as $393 each month if comprehensive and collision insurance is included