Kia Niro Insurance Rates
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UPDATED: Apr 8, 2024
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Estimated insurance rates for a Kia Niro are $1,278 a year for full coverage insurance. Comprehensive insurance costs an estimated $248, collision costs $430, and liability costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing $2,770 or more. 16-year-old drivers pay the most at $4,900 a year or more.
Average premium for full coverage: $1,278
Premium estimates broken down by type of coverage:
Estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all Niro models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Kia Niro go from the low end price of $496 for the bare minimum liability coverage to the much higher price of $2,770 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location 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 example below illustrates the difference between rural and urban areas on insurance prices.
These rate differences illustrate why everyone should compare rates 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 estimated Kia Niro insurance rates for other coverage scenarios.
- The best full coverage rate is $745
- Drivers who choose higher $1,000 deductibles will pay approximately $154 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,278
- Buying pricier low deductibles for comprehensive and collision insurance will cost an additional $300 annually
- Drivers with multiple tickets or accidents could pay up to $2,770 or more
- An auto insurance policy that insures a 16-year-old driver for full coverage can cost as much as $4,900 a year
Auto insurance prices for a Kia Niro also have a wide range based on the model of your Niro, 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 $2,100 in extra premium annually, depending on your age. Kia Niro insurance for high-risk drivers can cost from 43% to 131% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,900 a year. View Rates by Age
Where you choose to live makes a big difference in Kia Niro insurance prices. A 40-year-old driver could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,730 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $460 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices from multiple companies. Every company utilizes a different rate formula, and quoted prices will be substantially different.
| 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 Low Cost Kia Niro Insurance
Finding better rates on insurance for a Kia Niro not only requires being safe and accident-free, but also maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Comparison shop every year by getting rate quotes from direct insurance companies, and also from local insurance agencies.
Below you'll find a review of the coverage data covered above.
- It is possible to save approximately $150 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $450 each year
- Youthful drivers are the costliest to insure, with premiums being up to $408 per month if the policy includes full coverage
- Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,490 more annually than a low-risk driver
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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