Kia Niro Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Average auto insurance rates for a Kia Niro are $1,248 annually for full coverage insurance. Comprehensive costs approximately $238, collision insurance costs $400, and liability costs $452. A liability-only policy costs as little as $504 a year, and high-risk insurance costs around $2,698. Teenage drivers receive the highest rates at up to $4,804 a year.

Average premium for full coverage: $1,248

Rate estimates by individual coverage type:

Comprehensive $238
Collision $400
Liability $452

Rate estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different Niro trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from as cheap as $504 for your basic liability-only policy to a much higher rate of $2,698 for a high-risk driver policy.

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

Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations tend to have fewer physical damage claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance prices.

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

These examples illustrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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.

More Rate Information

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

  • The best discount rate is $731
  • Drivers who choose higher $1,000 deductibles will pay $144 each year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,248
  • Using more expensive low deductibles for comprehensive and collision insurance will cost $1,528
  • Drivers who are prone to accidents and violations could pay around $2,698
  • The cost with full coverage for a 16-year-old driver with full coverage can cost $4,804 a year

View Chart as Image

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

Insurance rates for a Kia Niro can also vary considerably based on the trim level of your Niro, your risk profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $430 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Kia Niro insurance prices. A 40-year-old driver could pay as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,690 on average in Florida, New York, 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
2018 Kia Niro $238 $400 $452 $1,248

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 the Best Kia Niro Insurance

Saving money on insurance for a Kia Niro not only requires not taking risks behind the wheel, but also having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every time your policy renews by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following is a brief recap of the information raised in the charts and tables above.

  • It is possible to save around $150 per year just by shopping early and online
  • Teens are expensive to insure, costing up to $400 per month including comprehensive and collision insurance
  • Increasing deductibles could save up to $425 each year
  • Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,450 more per year for Niro insurance
  • Insureds who purchase higher liability limits will pay an extra $500 annually to go from a minimum limit to higher 250/500 limits

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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