Kia Niro Insurance Rates

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Compare 2017 Kia Niro Car Insurance Cost in 2025

Locating cheaper insurance coverage over the internet might appear challenging for people new to quoting and comparing prices online. With so many agents and online companies available, how are people expected to be able to compare every insurance coverage company to find better rates? It's a good habit to compare premium rates before your policy renews because prices go up and down regularly. If ...

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UPDATED: Apr 8, 2024

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Average auto insurance rates for a Kia Niro are $1,248 annually for full coverage. Comprehensive costs an estimated $238, collision insurance costs $400, and liability coverage costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs around $2,698. 16-year-old drivers receive the highest rates at up to $4,804 a year.

Average premium for full coverage: $1,248

Rate estimates broken down by individual coverage type:

Comprehensive $238
Collision $400
Liability $452

Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different Niro trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from as cheap as $504 for just the minimum liability insurance to a much higher rate of $2,698 for a driver that may need high-risk insurance.

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

Price Range by Location

Your location has a large influence on insurance rates. More rural locations tend to have fewer accident claims than congested cities. The price range example below illustrates the effect of geographic area on insurance prices.

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

These examples show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, 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 Rate Analysis

The chart below shows average Kia Niro insurance rates for other coverage scenarios.

  • The best full coverage rate is $731
  • Drivers who choose higher $1,000 deductibles will pay approximately $144 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,248
  • Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,528
  • High-risk insureds with multiple tickets or accidents could pay up to $2,698
  • The cost with full coverage for a teenage driver with full coverage can cost as much as $4,804 a year

View Chart as Image

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

Auto insurance rates for a Kia Niro can also vary considerably based on the trim level of your Niro, your driver profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance can cost around 44% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $430 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

Where you live 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
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 Buy Affordable Kia Niro Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Take the time to compare rates once a year by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a brief review of the data that was covered in the above illustrations.

  • Drivers can save approximately $150 per year just by shopping early and online
  • Consumers who want more liability coverage will pay around $500 each year to go from a minimum limit to higher 250/500 limits
  • Teen drivers are the costliest to insure, costing as high as $400 per month if full coverage is included
  • Drivers with DUI or reckless driving convictions may pay on average $1,450 more annually to insure their Niro

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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