Kia Niro Insurance Rates
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UPDATED: Apr 8, 2024
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Estimated insurance rates for a Kia Niro are $1,220 a year for full coverage insurance. Comprehensive insurance costs an estimated $230 each year, collision insurance costs $376, and liability is $456. A policy with only liability insurance costs around $508 a year, and a high-risk policy costs $2,636 or more. 16-year-old drivers pay the most at up to $4,720 a year.
Average premium for full coverage: $1,220
Premium estimates broken down by type of coverage:
Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Niro models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Kia Niro range from the low end price of $508 for the bare minimum liability coverage to a high rate of $2,636 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities. The graphic below illustrates the effect of geographic area on insurance prices.
These rate differences illustrate why all drivers should compare rates quotes 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 Information
The chart below illustrates average Kia Niro insurance rates for other coverage scenarios.
- The best full coverage rate is $717
- Raising to $1,000 deductibles will save approximately $138 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,220
- Buying low deductibles will cost an additional $266 annually
- Drivers with multiple tickets or accidents could pay up to $2,636
- An auto insurance policy that insures a 16-year-old driver can cost as much as $4,720
Car insurance prices for a Kia Niro also have a wide range based on the trim level and model year, your age and driving record, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are probably paying $1,500 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 137% more than the average rate. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age
Where you choose to live also has a big influence on Kia Niro insurance prices. A middle-age driver might find prices as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,650 on average in Florida, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,104 | -$116 | -9.5% |
Alaska | $936 | -$284 | -23.3% |
Arizona | $1,012 | -$208 | -17.0% |
Arkansas | $1,220 | -$0 | 0.0% |
California | $1,392 | $172 | 14.1% |
Colorado | $1,166 | -$54 | -4.4% |
Connecticut | $1,254 | $34 | 2.8% |
Delaware | $1,382 | $162 | 13.3% |
Florida | $1,526 | $306 | 25.1% |
Georgia | $1,126 | -$94 | -7.7% |
Hawaii | $876 | -$344 | -28.2% |
Idaho | $824 | -$396 | -32.5% |
Illinois | $908 | -$312 | -25.6% |
Indiana | $918 | -$302 | -24.8% |
Iowa | $822 | -$398 | -32.6% |
Kansas | $1,160 | -$60 | -4.9% |
Kentucky | $1,664 | $444 | 36.4% |
Louisiana | $1,806 | $586 | 48.0% |
Maine | $754 | -$466 | -38.2% |
Maryland | $1,006 | -$214 | -17.5% |
Massachusetts | $976 | -$244 | -20.0% |
Michigan | $2,120 | $900 | 73.8% |
Minnesota | $1,022 | -$198 | -16.2% |
Mississippi | $1,460 | $240 | 19.7% |
Missouri | $1,082 | -$138 | -11.3% |
Montana | $1,310 | $90 | 7.4% |
Nebraska | $960 | -$260 | -21.3% |
Nevada | $1,462 | $242 | 19.8% |
New Hampshire | $880 | -$340 | -27.9% |
New Jersey | $1,362 | $142 | 11.6% |
New Mexico | $1,080 | -$140 | -11.5% |
New York | $1,286 | $66 | 5.4% |
North Carolina | $702 | -$518 | -42.5% |
North Dakota | $998 | -$222 | -18.2% |
Ohio | $842 | -$378 | -31.0% |
Oklahoma | $1,254 | $34 | 2.8% |
Oregon | $1,116 | -$104 | -8.5% |
Pennsylvania | $1,162 | -$58 | -4.8% |
Rhode Island | $1,628 | $408 | 33.4% |
South Carolina | $1,104 | -$116 | -9.5% |
South Dakota | $1,030 | -$190 | -15.6% |
Tennessee | $1,068 | -$152 | -12.5% |
Texas | $1,470 | $250 | 20.5% |
Utah | $904 | -$316 | -25.9% |
Vermont | $836 | -$384 | -31.5% |
Virginia | $732 | -$488 | -40.0% |
Washington | $942 | -$278 | -22.8% |
West Virginia | $1,118 | -$102 | -8.4% |
Wisconsin | $844 | -$376 | -30.8% |
Wyoming | $1,088 | -$132 | -10.8% |
Opting for high physical damage deductibles can reduce prices by up to $410 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Kia Niro | $308 | $500 | $372 | $1,338 |
2023 Kia Niro | $294 | $482 | $390 | $1,324 |
2022 Kia Niro | $282 | $478 | $398 | $1,316 |
2021 Kia Niro | $272 | $466 | $416 | $1,312 |
2020 Kia Niro | $262 | $446 | $430 | $1,296 |
2019 Kia Niro | $248 | $430 | $442 | $1,278 |
2018 Kia Niro | $238 | $400 | $452 | $1,248 |
2017 Kia Niro | $230 | $376 | $456 | $1,220 |
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 Best Kia Niro Insurance
Finding better rates on insurance for a Kia Niro consists of having a good driving record, having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Comparison shop at every policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.
The next list is a brief recap of the data covered in the above illustrations.
- Insureds who want increased levels of liability coverage will pay around $500 annually to raise from 30/60 bodily injury limits to the 250/500 level
- It is possible to save approximately $140 per year just by quoting online in advance
- Increasing policy deductibles can save approximately $400 each year
- Drivers age 20 and younger have the highest car insurance prices, with premiums being up to $393 per month if full coverage is purchased
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,720 |
20 | $2,808 |
30 | $1,258 |
40 | $1,220 |
50 | $1,116 |
60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,486 |
$250 | $1,362 |
$500 | $1,220 |
$1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,220 |
50/100 | $1,311 |
100/300 | $1,425 |
250/500 | $1,722 |
100 CSL | $1,357 |
300 CSL | $1,608 |
500 CSL | $1,790 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,700 |
20 | $4,472 |
30 | $2,676 |
40 | $2,636 |
50 | $2,518 |
60 | $2,496 |
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 | $64 |
Multi-vehicle | $65 |
Homeowner | $20 |
5-yr Accident Free | $83 |
5-yr Claim Free | $78 |
Paid in Full/EFT | $51 |
Advance Quote | $57 |
Online Quote | $85 |
Total Discounts | $503 |
Discounts are estimated and may not be available from every company or in every state.
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