Kia Niro Insurance Rates

U.S. average insurance prices for a Kia Niro are $1,278 every 12 months with full coverage. Comprehensive insurance costs on average $248 each year, collision insurance costs $430, and liability costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs $2,770 or more. Teenage drivers pay the highest rates at up to $4,900 a year.

Average premium for full coverage: $1,278

Price estimates by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Niro models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on auto insurance rates. Rural areas have more infrequent collision claims than densely populated cities. The graphic below illustrates how where you live affects car insurance rates.

The ranges above demonstrate why all drivers should compare rates based on a specific location and their own driving history, instead of using average rates.

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

Additional Rate Details

The chart below details average Kia Niro insurance rates for different risk profiles and scenarios.

• The best discount rate is $745
• Drivers who choose higher $1,000 deductibles will pay around $154 annually
• The average price for the average middle-age driver with $500 deductibles is $1,278
• Using low deductibles for comprehensive and collision insurance costs an extra $300 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,770
• The price to insure a teen driver may cost $4,900 a year

View Chart as Image

Car insurance prices for a Kia Niro are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Niro.

Using high physical damage deductibles could save up to $460 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Kia Niro insurance prices. A 40-year-old driver could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,730 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Best Cheap Kia Niro Insurance

Getting lower rates on car insurance not only requires having a decent driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a quick review of the coverage data touched on in the above illustrations.

• You may be able to save as much as $150 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $450 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $408 a month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,490 more each year than a driver with a clean driving record