Kia Niro Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 8, 2024
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U.S. average insurance rates for a Kia Niro are $1,220 a year with full coverage. Comprehensive costs an estimated $230, collision costs $376, and liability coverage costs around $456. A policy with just liability insurance costs as low as $508 a year, with coverage for high-risk drivers costing around $2,636. 16-year-old drivers pay the highest rates at $4,720 a year or more.
Average premium for full coverage: $1,220
Price estimates broken down by individual coverage:
Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Niro trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Kia Niro insurance prices go from as low as $508 for just the minimum liability insurance to a much higher rate of $2,636 for a high-risk driver policy.
Geographic Price Range
Where you live has a large influence on car insurance rates. More rural locations have a lower frequency of collision claims than congested cities.
The price range example below illustrates how rural and urban location affects insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than using 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 Analysis
The chart below details estimated Kia Niro insurance rates for other coverage scenarios.
- The best full coverage rate is $717
- Using higher $1,000 deductibles will save approximately $138 annually
- The average rate for the average middle-age driver who has $500 deductibles is $1,220
- Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,486
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,636 or more
- The price for full coverage for a teenage driver with full coverage can cost as much as $4,720 or more
Insurance prices for a Kia Niro are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.
An older driver with a clean driving record and high deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,700 a year. View Rates by Age
The state you live in has a huge impact on Kia Niro insurance rates. A driver around age 40 might see prices as low as $880 a year in states like Utah, Ohio, and New Hampshire, or 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% |
Opting for high physical damage deductibles could cut prices by as much as $410 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out $1,500 to $2,000 extra each year, depending on your age. High-risk driver insurance can be around 42% to 137% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so the prices may be quite different from one company to the next.
| 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 Affordable Kia Niro Insurance
Getting lower rates on auto insurance requires being a safe and courteous driver, maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every time your policy renews by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a brief review of the information raised in the charts and tables above.
- You may be able to save approximately $140 per year simply by shopping early and online
- Teenage drivers are charged the highest prices, costing up to $393 a month for full coverage
- Increasing physical damage deductibles can save around $400 each year
- Drivers with DUI or reckless driving convictions may pay on average $1,420 more annually for auto insurance
- Consumers who want higher levels of liability will pay around $500 every year to increase from a low limit to 250/500 limits
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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