Kia Niro Insurance Rates

Average insurance prices for a Kia Niro are $1,278 every 12 months including full coverage. Comprehensive costs approximately $248, collision insurance costs $430, and liability insurance is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs around $2,770. 16-year-old 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:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Niro trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates how location impacts auto insurance prices.

These examples highlight why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $745
• Choosing higher $1,000 deductibles can save $154 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,278
• Buying more expensive low deductibles for comp and collision coverage increases the price to $1,578
• High-risk insureds with multiple tickets or accidents could pay around $2,770
• The cost to insure a teen driver with full coverage can cost $4,900 each year

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Auto insurance rates for a Kia Niro can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Niro.

Opting for high physical damage deductibles can save as much as $460 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Kia Niro insurance rates. A good driver about age 40 could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,830 on average in Louisiana, New York, and Michigan.

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How to Shop for Low Cost Kia Niro Insurance

Saving money on Kia Niro insurance takes being a good driver, having a good credit score, not filing small claims, and possibly higher deductibles. Spend time shopping around every year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The following list is a review of the coverage data touched on above.

• You may be able to save around $150 per year just by shopping early and online
• Increasing deductibles could save as much as $450 each year
• Drivers age 16 to 20 have the highest car insurance rates, as much as $408 per month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations could be charged and average of $1,490 more per year than a safer driver