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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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 8, 2024

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Average insurance rates for a Kia Niro are $1,248 a year for full coverage insurance. Comprehensive costs approximately $238, collision costs $400, and liability is $452. A policy with just liability insurance costs around $504 a year, with coverage for high-risk drivers costing around $2,698. Teens receive the highest rates at $4,804 a year or more.

Average premium for full coverage: $1,248

Rate estimates by individual coverage type:

Comprehensive $238
Collision $400
Liability $452

Includes $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all Niro models.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $504 for just liability coverage to the much higher price of $2,698 for high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance prices.

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

These examples illustrate why everyone should compare rates quotes using their specific location and risk profile, instead of using averaged prices.

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 additional coverage and risk scenarios.

  • The cheapest rate after discounts is $731
  • Raising to $1,000 deductibles will save $144 each year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,248
  • Selecting pricier low deductibles will increase the cost to $1,528
  • At-risk drivers with serious driving violations could pay around $2,698 or more
  • The cost for full coverage for a teen driver for full coverage can cost $4,804

View Chart as Image

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

Insurance rates for a Kia Niro can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

Where you live also has a big influence on Kia Niro insurance prices. A middle-age driver might find rates as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,690 on average in Florida, New York, 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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $430 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 additional per year, depending on your age. Kia Niro insurance for high-risk drivers is expensive and can cost as much as 44% to 134% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and rates can be significantly different from one company to the next.

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 Cheapest Kia Niro Insurance

Saving money on car insurance consists of being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every couple of years by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

Below is a recap of the material that was touched on above.

  • Policyholders who purchase higher levels of liability will pay approximately $500 annually to raise from a minimum limit to 250/500 limits
  • Teenage drivers are the costliest to insure, costing up to $400 per month including comprehensive and collision insurance
  • Higher risk drivers that have major violations or accidents may pay on average $1,450 more per year for auto insurance
  • Increasing deductibles can save around $425 each year

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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