Kia Niro Insurance Rates

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UPDATED: Apr 8, 2024

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The average auto insurance rates for a Kia Niro are $1,248 annually with full coverage. Comprehensive insurance costs an estimated $238 a year, collision insurance costs $400, and liability is estimated at $452. A liability-only policy costs approximately $504 a year, and high-risk insurance costs $2,698 or more. 16-year-old drivers cost the most to insure at up to $4,804 a year.

Average premium for full coverage: $1,248

Policy rates broken down by type of insurance:

Comprehensive $238
Collision $400
Liability $452

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Niro trim levels.

Price Range Variability

For the average 40-year-old driver, Kia Niro insurance rates range from as cheap as $504 for basic liability insurance to a high of $2,698 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities. The diagram below illustrates the difference location can make on insurance prices.

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

The examples above demonstrate why it is important to get quotes for a targeted area and their own personal driving habits, 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.

Rate Comparisons

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

  • The best full coverage rate is $731
  • Choosing higher $1,000 deductibles can save approximately $1,104 annually
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,248
  • Buying low $100 deductibles for comp and collision coverage costs an additional $280 annually
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,698
  • Policy cost with full coverage for a 16-year-old driver can cost as much as $4,804 each 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

Car insurance rates for a Kia Niro also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges from 44% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $430 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Kia Niro insurance prices. A good driver about age 40 could pay 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.

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 the Best Cheap Kia Niro Insurance

Finding cheaper rates on insurance for a Kia Niro takes avoiding accidents and claims, having a good credit score, not filing small claims, and possibly higher deductibles. Make time to compare rates every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a quick review of the ideas that were touched on in this article.

  • Drivers under the age of 20 have the highest car insurance rates, as much as $400 each month if comprehensive and collision insurance is included
  • Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,450 more annually to insure a Kia Niro
  • Increasing comprehensive and collision deductibles could save up to $425 each year
  • You may be able to save approximately $150 per year just by quoting early and online

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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