Kia Niro Insurance Rates

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UPDATED: Apr 8, 2024

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The average auto insurance rates for a Kia Niro are $1,248 annually for full coverage. Comprehensive insurance costs approximately $238 each year, collision insurance costs $400, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs $2,698 or more. Teens cost the most to insure at up to $4,804 a year.

Average premium for full coverage: $1,248

Policy rates by type of insurance:

Comprehensive $238
Collision $400
Liability $452

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Niro models.

Price Range Variability

For a driver in their 40's, Kia Niro insurance rates range from as cheap as $504 for just liability coverage to a high rate of $2,698 for a driver that may need high-risk insurance.

Liability Only $504
Full Coverage $1,248
High Risk $2,698

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.

Rural Areas $936
Small Cities $1,310
Large Cities $1,685

The examples above show why all drivers should get quotes using their specific location and their own personal driving habits, instead of making a decision based on 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.

Detailed Rate Analysis

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

  • The cheapest rate after discounts is $731
  • Choosing higher $1,000 deductibles can save $144 a year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,248
  • Selecting low deductibles for comp and collision coverage costs an additional $280 annually
  • Higher-risk drivers with serious driving violations could pay around $2,698
  • Policy cost with full coverage for a 16-year-old driver can cost $4,804 each year

View Chart as Image

Kia Niro insurance cost comparison chart
Column chart showing Kia Niro insurance prices range from $731 to $4,804 for full coverage

Auto insurance rates for a Kia Niro also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $430 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Kia Niro insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,780 on average in New York, Louisiana, and Michigan.

Kia Niro Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,130 -$118 -9.5%
Alaska $956 -$292 -23.4%
Arizona $1,036 -$212 -17.0%
Arkansas $1,248 -$0 0.0%
California $1,422 $174 13.9%
Colorado $1,192 -$56 -4.5%
Connecticut $1,284 $36 2.9%
Delaware $1,412 $164 13.1%
Florida $1,562 $314 25.2%
Georgia $1,152 -$96 -7.7%
Hawaii $896 -$352 -28.2%
Idaho $844 -$404 -32.4%
Illinois $930 -$318 -25.5%
Indiana $940 -$308 -24.7%
Iowa $842 -$406 -32.5%
Kansas $1,186 -$62 -5.0%
Kentucky $1,704 $456 36.5%
Louisiana $1,848 $600 48.1%
Maine $770 -$478 -38.3%
Maryland $1,028 -$220 -17.6%
Massachusetts $998 -$250 -20.0%
Michigan $2,168 $920 73.7%
Minnesota $1,044 -$204 -16.3%
Mississippi $1,494 $246 19.7%
Missouri $1,106 -$142 -11.4%
Montana $1,340 $92 7.4%
Nebraska $984 -$264 -21.2%
Nevada $1,498 $250 20.0%
New Hampshire $900 -$348 -27.9%
New Jersey $1,394 $146 11.7%
New Mexico $1,106 -$142 -11.4%
New York $1,314 $66 5.3%
North Carolina $720 -$528 -42.3%
North Dakota $1,024 -$224 -17.9%
Ohio $862 -$386 -30.9%
Oklahoma $1,280 $32 2.6%
Oregon $1,142 -$106 -8.5%
Pennsylvania $1,192 -$56 -4.5%
Rhode Island $1,664 $416 33.3%
South Carolina $1,130 -$118 -9.5%
South Dakota $1,054 -$194 -15.5%
Tennessee $1,092 -$156 -12.5%
Texas $1,506 $258 20.7%
Utah $924 -$324 -26.0%
Vermont $856 -$392 -31.4%
Virginia $748 -$500 -40.1%
Washington $964 -$284 -22.8%
West Virginia $1,142 -$106 -8.5%
Wisconsin $864 -$384 -30.8%
Wyoming $1,112 -$136 -10.9%

View Chart as Image

Kia Niro insurance rates by U.S. city
Kia Niro Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Kia Niro $294 $482 $390 $1,324
2023 Kia Niro $282 $478 $398 $1,316
2022 Kia Niro $272 $466 $416 $1,312
2021 Kia Niro $262 $446 $430 $1,296
2020 Kia Niro $248 $430 $442 $1,278
2019 Kia Niro $238 $400 $452 $1,248
2018 Kia Niro $230 $376 $456 $1,220
2017 Kia Niro $220 $338 $460 $1,176

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 Buy Cheap Kia Niro Insurance

Finding cheaper rates on insurance for a Kia Niro takes having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Invest time comparing rates once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief summary of the data that was covered in the charts and tables above.

  • Drivers can save around $150 per year just by quoting online in advance
  • Insureds who purchase additional liability coverage will pay approximately $500 each year to raise limits from a 30/60 limit to higher 250/500 limits
  • 16 to 18-year-old drivers have the highest car insurance rates, costing up to $400 each month if full coverage is included
  • Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,450 more per year than a driver with a clean driving record

Rates by Driver Age

Kia Niro Insurance Rates by Driver Age
Driver Age Premium
16 $4,804
20 $2,874
30 $1,288
40 $1,248
50 $1,142
60 $1,120

Full coverage, $500 deductibles

Rates by Deductible

Kia Niro Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,528
$250 $1,400
$500 $1,248
$1,000 $1,104

Full coverage, driver age 40

Rates by Liability Limit

Kia Niro Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,248
50/100 $1,338
100/300 $1,451
250/500 $1,745
100 CSL $1,384
300 CSL $1,632
500 CSL $1,813

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Niro Insurance Rates for High Risk Drivers
Age Premium
16 $6,824
20 $4,578
30 $2,742
40 $2,698
50 $2,578
60 $2,556

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.

SR-22 Surcharge $173

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $86
5-yr Claim Free $80
Paid in Full/EFT $53
Advance Quote $59
Online Quote $87
Total Discounts $517
Rate after discounts $731

Discounts are estimated and may not be available from every company or in every state.

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