Kia Niro Insurance Rates

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UPDATED: Apr 8, 2024

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U.S. average insurance rates for a Kia Niro are $1,248 a year for full coverage. Comprehensive insurance costs approximately $238 each year, collision insurance costs $400, and liability coverage costs $452. A policy with just liability insurance costs as little as $504 a year, and coverage for high-risk drivers costs $2,698 or more. 16-year-old drivers pay the highest rates at up to $4,804 a year.

Average premium for full coverage: $1,248

Price estimates by individual coverage:

Comprehensive $238
Collision $400
Liability $452

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Niro models.

Price Range from Low to High

For a driver in their 40's, Kia Niro insurance prices range from the low end price of $504 for liability-only coverage to a high rate of $2,698 for a high-risk driver policy.

Liability Only $504
Full Coverage $1,248
High Risk $2,698

Geographic Price Range

Your location has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than congested cities. The graphic below illustrates how location helps determine auto insurance prices.

Rural Areas $936
Small Cities $1,310
Large Cities $1,685

The ranges above show why all drivers should compare rates using their specific location, rather than using rate averages.

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 Charts and Tables

The chart below shows average Kia Niro insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $731
  • Drivers who choose higher $1,000 deductibles will pay $144 a year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,248
  • Buying low deductibles for comprehensive and collision insurance will cost an additional $280 each year
  • High-risk insureds with multiple tickets or accidents could pay around $2,698
  • The price that insures a teenage driver can cost $4,804 a year

View Chart as Image

Kia Niro insurance cost comparison chart
Column chart showing Kia Niro insurance prices range from $731 to $4,804 for full coverage

Insurance prices for a Kia Niro are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can cost around 44% to 134% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,800 a year. View Rates by Age

The state you live in makes a big difference in Kia Niro insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Iowa, Maine, and Idaho, or at least $1,780 on average in New York, Louisiana, and Michigan.

Kia Niro Insurance Rates by State
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%

View Chart as Image

Kia Niro insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $430 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

Kia Niro Insurance Rates by Model Year
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 Find the Right Kia Niro Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Comparison shop every time your policy renews by getting quotes from direct carriers, and also from insurance agencies where you live.

Below you'll find a quick rundown of the information covered in the charts and tables above.

  • Drivers can save around $150 per year just by quoting online in advance
  • Youthful drivers are expensive to insure, with premiums as much as $400 a month if full coverage is included
  • Increasing physical damage deductibles can save approximately $425 each year
  • Drivers with reckless driving or DUI convictions could be forced to pay on average $1,450 more per year than a low-risk driver
  • Consumers who purchase more liability protection will pay around $500 each year to go from a low limit to the 250/500 level

Rates by Driver Age

Kia Niro Insurance 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

Kia Niro Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,528
$250 $1,400
$500 $1,248
$1,000 $1,104

Full coverage, driver age 40

Rates by Liability Limit

Kia Niro Insurance Rates with Different Liability Limits
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

Kia Niro Insurance 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.

SR-22 Surcharge $173

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
Rate after discounts $731

Discounts are estimated and may not be available from every company or in every state.

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