Kia Niro Insurance Rates
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UPDATED: Sep 2, 2022
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The average insurance prices for a Kia Niro are $1,278 every 12 months including full coverage. Comprehensive costs on average $248, collision costs $430, and liability is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing around $2,770. Teenage drivers cost the most to insure at $4,900 a year or more.
Average premium for full coverage: $1,278
Policy rates by type of insurance:
Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Niro trim levels.
Price Range Variability
Using a middle-aged driver as an example, Kia Niro insurance rates go from the cheapest price of $496 for just liability insurance to a much higher rate of $2,770 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities.
The price range example below illustrates how where you live affects car insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on average rates.
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.
More Rate Details
The chart below breaks down estimated Kia Niro insurance rates for different risk profiles and scenarios.
- The best discount rate is $745
- Raising to $1,000 deductibles will save around $154 every year
- The average price for a good driver age 40 with $500 deductibles is $1,278
- Using more expensive low deductibles increases the price to $1,578
- Drivers who are prone to accidents and violations could pay upwards of $2,770 or more
- Policy cost to insure a 16-year-old driver with full coverage may cost $4,900
Car insurance rates for a Kia Niro also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Niro.
Using high physical damage deductibles can reduce rates by up to $460 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $4,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates
Your home state also has a big influence on Kia Niro insurance prices. A middle-age driver might find rates as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,830 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Kia Niro | $248 | $430 | $442 | $1,278 |
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 Shop for the Best Kia Niro Insurance
Finding cheaper rates on insurance for a Kia Niro consists of being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The items below are a brief recap of the information touched on in the above illustrations.
- You may be able to save as much as $150 per year simply by shopping early and online
- Teen drivers are expensive to insure, with premiums being up to $408 each month if the policy includes full coverage
- Increasing comprehensive and collision deductibles could save as much as $450 each year
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,490 more each year to insure their Niro
- Insureds who require more liability coverage will pay an extra $490 per year to raise from a 30/60 limit to a 250/500 level
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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