Kia Niro Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 8, 2024
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The average insurance rates for a Kia Niro are $1,248 a year with full coverage. Comprehensive costs an estimated $238 a year, collision costs $400, and liability costs around $452. Liability-only insurance costs as low as $504 a year, with high-risk driver insurance costing around $2,698. 16-year-old drivers cost the most to insure at $4,804 a year or more.
Average premium for full coverage: $1,248
Policy rates broken down by type of insurance:
Includes $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Niro trim levels.
Price Range Variability
For an average driver, Kia Niro insurance rates go from the low end price of $504 for just the minimum liability insurance to a high of $2,698 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. More rural locations are shown to have lower incidents of collision claims than congested cities.
The diagram below illustrates the effect of geographic area on insurance prices.
The examples above demonstrate why it is important to compare prices for a targeted area, instead of making a decision based on 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 details estimated Kia Niro insurance rates for other coverage scenarios.
- The best full coverage rate is $731
- Using higher $1,000 deductibles will save approximately $1,104 annually
- The estimated price for a good driver age 40 who has $500 deductibles is $1,248
- Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,528
- High-risk insureds with multiple tickets or accidents could pay up to $2,698 or more
- Policy cost that insures a 16-year-old driver can cost as much as $4,804 or more
Auto insurance rates for a Kia Niro also range considerably based on the trim level of your Niro, your age and driving habits, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you may be forking out $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy can be from 44% to 134% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low 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 $4,800 a year. View Rates by Age
Your home state has a huge impact on Kia Niro insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Utah, Ohio, and New Hampshire, or at least $1,690 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $430 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates will be varied.
| 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 Cheapest Kia Niro Insurance
Finding cheaper rates on insurance for a Kia Niro requires not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Comparison shop at every policy renewal by getting quotes from direct companies, and also from insurance agencies where you live.
The following is a recap of the data covered in the above illustrations.
- Insureds who want higher liability limits will pay around $500 every year to increase from a 30/60 limit to the 250/500 level
- You may be able to save approximately $150 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $425 each year
- Teens are the costliest to insure, as much as $400 each month if the policy includes full coverage
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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