Kia Niro Insurance Rates
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UPDATED: Apr 8, 2024
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The average insurance rates for a Kia Niro are $1,278 a year for full coverage insurance. Comprehensive costs an estimated $248, collision costs $430, and liability insurance costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing around $2,770. Teen drivers cost the most to insure at $4,900 a year or more.
Average premium for full coverage: $1,278
Policy rates broken down by type of insurance:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different Niro trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Kia Niro insurance rates go from the low end price of $496 for just liability coverage to a much higher rate of $2,770 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas.
The price range example below illustrates how rural and urban location affects insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on price 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.
Detailed Rate Analysis
The chart below illustrates estimated Kia Niro insurance rates for other coverage scenarios.
- The lowest rate with discounts is $745
- Using higher $1,000 deductibles will save approximately $154 each year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,278
- Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,578
- Drivers with multiple violations and an at-fault accident could pay up to $2,770 or more
- Policy cost that insures a teen driver with full coverage can cost as much as $4,900 or more
Auto insurance rates for a Kia Niro also range considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are probably paying $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 131% more than average. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $4,900 a year. View Rates by Age
Your home state has a huge impact on Kia Niro insurance rates. A driver around age 40 might see rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,730 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,158 | -$120 | -9.4% |
| Alaska | $982 | -$296 | -23.2% |
| Arizona | $1,064 | -$214 | -16.7% |
| Arkansas | $1,278 | -$0 | 0.0% |
| California | $1,456 | $178 | 13.9% |
| Colorado | $1,224 | -$54 | -4.2% |
| Connecticut | $1,316 | $38 | 3.0% |
| Delaware | $1,448 | $170 | 13.3% |
| Florida | $1,600 | $322 | 25.2% |
| Georgia | $1,182 | -$96 | -7.5% |
| Hawaii | $920 | -$358 | -28.0% |
| Idaho | $866 | -$412 | -32.2% |
| Illinois | $952 | -$326 | -25.5% |
| Indiana | $964 | -$314 | -24.6% |
| Iowa | $862 | -$416 | -32.6% |
| Kansas | $1,216 | -$62 | -4.9% |
| Kentucky | $1,746 | $468 | 36.6% |
| Louisiana | $1,896 | $618 | 48.4% |
| Maine | $790 | -$488 | -38.2% |
| Maryland | $1,056 | -$222 | -17.4% |
| Massachusetts | $1,024 | -$254 | -19.9% |
| Michigan | $2,224 | $946 | 74.0% |
| Minnesota | $1,070 | -$208 | -16.3% |
| Mississippi | $1,534 | $256 | 20.0% |
| Missouri | $1,134 | -$144 | -11.3% |
| Montana | $1,374 | $96 | 7.5% |
| Nebraska | $1,010 | -$268 | -21.0% |
| Nevada | $1,534 | $256 | 20.0% |
| New Hampshire | $920 | -$358 | -28.0% |
| New Jersey | $1,432 | $154 | 12.1% |
| New Mexico | $1,134 | -$144 | -11.3% |
| New York | $1,350 | $72 | 5.6% |
| North Carolina | $736 | -$542 | -42.4% |
| North Dakota | $1,048 | -$230 | -18.0% |
| Ohio | $886 | -$392 | -30.7% |
| Oklahoma | $1,314 | $36 | 2.8% |
| Oregon | $1,172 | -$106 | -8.3% |
| Pennsylvania | $1,220 | -$58 | -4.5% |
| Rhode Island | $1,708 | $430 | 33.6% |
| South Carolina | $1,158 | -$120 | -9.4% |
| South Dakota | $1,082 | -$196 | -15.3% |
| Tennessee | $1,122 | -$156 | -12.2% |
| Texas | $1,540 | $262 | 20.5% |
| Utah | $948 | -$330 | -25.8% |
| Vermont | $876 | -$402 | -31.5% |
| Virginia | $766 | -$512 | -40.1% |
| Washington | $990 | -$288 | -22.5% |
| West Virginia | $1,172 | -$106 | -8.3% |
| Wisconsin | $886 | -$392 | -30.7% |
| Wyoming | $1,142 | -$136 | -10.6% |
Choosing high deductibles could cut rates by as much as $460 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Niro | $308 | $500 | $372 | $1,338 |
| 2023 Kia Niro | $294 | $482 | $390 | $1,324 |
| 2022 Kia Niro | $282 | $478 | $398 | $1,316 |
| 2021 Kia Niro | $272 | $466 | $416 | $1,312 |
| 2020 Kia Niro | $262 | $446 | $430 | $1,296 |
| 2019 Kia Niro | $248 | $430 | $442 | $1,278 |
| 2018 Kia Niro | $238 | $400 | $452 | $1,248 |
| 2017 Kia Niro | $230 | $376 | $456 | $1,220 |
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 Best Kia Niro Insurance
Finding cheaper rates on Kia Niro insurance requires avoiding accidents and claims, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Shop around at every other renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.
The points below are a brief recap of the concepts that were raised in the charts and tables above.
- High-risk drivers who tend to receive serious violations may have to pay on average $1,490 more annually to insure a Kia Niro
- Drivers under the age of 20 are the costliest to insure, possibly costing $408 each month if the policy includes full coverage
- It is possible to save approximately $150 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $450 each year
- It is possible to save approximately $150 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,900 |
| 20 | $2,952 |
| 30 | $1,324 |
| 40 | $1,278 |
| 50 | $1,170 |
| 60 | $1,148 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,578 |
| $250 | $1,440 |
| $500 | $1,278 |
| $1,000 | $1,124 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,278 |
| 50/100 | $1,366 |
| 100/300 | $1,477 |
| 250/500 | $1,764 |
| 100 CSL | $1,411 |
| 300 CSL | $1,654 |
| 500 CSL | $1,831 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,966 |
| 20 | $4,702 |
| 30 | $2,818 |
| 40 | $2,770 |
| 50 | $2,646 |
| 60 | $2,622 |
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 | $67 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $90 |
| Total Discounts | $533 |
Discounts are estimated and may not be available from every company or in every state.
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