Kia Niro Insurance Rates
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Michelle Robbins
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UPDATED: Apr 8, 2024
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The average insurance rates for a Kia Niro are $1,220 a year with full coverage. Comprehensive insurance costs an estimated $230, collision insurance costs $376, and liability coverage is $456. A liability-only policy costs around $508 a year, and high-risk insurance costs $2,636 or more. Teens cost the most to insure at up to $4,720 a year.
Average premium for full coverage: $1,220
Policy rates broken down by type of insurance:
Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different Niro trim levels.
Price Range Variability
For a driver around age 40, Kia Niro insurance rates range from the low end price of $508 for a discount liability-only rate to a much higher rate of $2,636 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. More rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than using averaged prices.
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.
Rates by State, City, and Model
The chart below details average Kia Niro insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $717
- Raising to $1,000 deductibles will save approximately $138 annually
- The estimated price for a good driver age 40 who has $500 deductibles is $1,220
- Selecting more expensive low deductibles will cost an additional $266 each year
- Unlucky drivers with serious driving violations could pay up to $2,636
- Policy cost that insures a teenage driver with full coverage can cost as much as $4,720
Car insurance rates for a Kia Niro also range considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you may be forking out $1,500 to $2,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 137% more than the average policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age
Your home state also has a big influence on Kia Niro insurance rates. A middle-age driver might find rates as low as $880 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,650 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $410 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Niro | $282 | $478 | $398 | $1,316 |
| 2023 Kia Niro | $272 | $466 | $416 | $1,312 |
| 2022 Kia Niro | $262 | $446 | $430 | $1,296 |
| 2021 Kia Niro | $248 | $430 | $442 | $1,278 |
| 2020 Kia Niro | $238 | $400 | $452 | $1,248 |
| 2019 Kia Niro | $230 | $376 | $456 | $1,220 |
| 2018 Kia Niro | $220 | $338 | $460 | $1,176 |
| 2017 Kia Niro | $206 | $310 | $460 | $1,134 |
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 Right Kia Niro Insurance
Finding cheaper rates on auto insurance consists of having a decent driving record, having a positive credit history, not filing small claims, and possibly higher deductibles. Compare rates at every policy renewal by getting rate quotes from direct companies, and also from insurance agencies where you live.
The following items are a quick rundown of the data covered above.
- Consumers who want additional liability coverage will pay approximately $500 every year to raise from a 30/60 limit to the 250/500 level
- You may be able to save approximately $140 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $400 each year
- 16 to 18-year-old drivers have the highest car insurance rates, as much as $393 each 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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