Kia Niro Insurance Rates

Average insurance rates for a Kia Niro are $1,278 a year for full coverage. Comprehensive costs approximately $248 a year, collision insurance costs $430, and liability costs around $442. A policy with just liability insurance costs as low as $496 a year, and coverage for high-risk drivers costs around $2,770. Teen drivers receive the highest rates at up to $4,900 a year.

Average premium for full coverage: $1,278

Rate estimates by individual coverage type:

Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Niro trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance prices.

These examples show why it is important to compare prices using their specific location, instead of using price averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below shows average Kia Niro insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $745
• Using higher $1,000 deductibles will save $1,124 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,278
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,578
• Drivers with multiple violations and an at-fault accident could pay around $2,770
• The cost that insures a teen driver can cost $4,900 or more

View Chart as Image

Insurance rates for a Kia Niro can also vary considerably based on the trim level of your Niro, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 131% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

Where you live has a huge impact on Kia Niro insurance prices. A driver around age 40 might see rates as low as $840 a year in states like Iowa, Maine, and Idaho, or as much as $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $460 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

How to Find the Right Kia Niro Insurance

Saving money on car insurance requires being a low-risk driver, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Shop around every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a quick rundown of the material that was touched on in this article.

• Policyholders who purchase more liability coverage will pay about $490 each year to increase from a minimum limit to the 250/500 level
• Teen drivers are the costliest to insure, costing as high as $408 per month if comprehensive and collision insurance is included
• Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,490 more per year to insure their Niro
• Increasing deductibles can save approximately $450 each year