Kia Niro Insurance Rates

U.S. average insurance rates for a Kia Niro are $1,278 a year with full coverage. Comprehensive costs approximately $248, collision insurance costs $430, and liability costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs around $2,770. Teen drivers pay the highest rates at up to $4,900 a year.

Average premium for full coverage: $1,278

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Niro models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above demonstrate why everyone should compare rates using their specific location, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $745
• Drivers who choose higher $1,000 deductibles will pay $154 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,278
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,578
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,770
• The price that insures a teen driver for full coverage can cost $4,900 a year

View Chart as Image

Auto insurance prices for a Kia Niro are also quite variable based on the model of your Niro, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. Kia Niro insurance for high-risk drivers can cost as much as 43% to 131% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,900 a year. View Rates by Age

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 Utah, Ohio, and New Hampshire, or as much as $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $460 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Kia Niro Insurance

Getting lower rates on car insurance not only requires being a good driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Shop around at every policy renewal by getting rate quotes from direct companies, and also from local insurance agencies.

The following list is a brief recap of the data covered above.

• Policyholders who purchase an increased level of liability coverage will pay about $490 every year to go from a low limit to the 250/500 level
• You may be able to save around $150 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $450 each year
• Drivers age 16 to 20 have the highest car insurance prices, costing up to $408 a month if the policy includes full coverage