Kia Niro Insurance Rates

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UPDATED: Apr 8, 2024

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Average insurance prices for a Kia Niro are $1,248 every 12 months including full coverage. Comprehensive costs on average $238, collision insurance costs $400, and liability is $452. A policy with just liability insurance costs around $504 a year, and coverage for high-risk drivers costs around $2,698. Teens 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

Full coverage includes $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Niro models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the cheapest price of $504 for basic liability insurance to the much higher price of $2,698 for coverage for higher-risk drivers.

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

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on car insurance rates.

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

These examples highlight why everyone should compare rates quotes based on a specific location and their own driving history, instead of using 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.

Rate Comparisons

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

  • The cheapest rate after discounts is $731
  • Raising to $1,000 deductibles will save around $144 every year
  • The average price for a 40-year-old driver with $500 deductibles is $1,248
  • Selecting pricier low deductibles increases the price to $1,528
  • At-risk drivers with serious driving violations could pay upwards of $2,698
  • The cost to insure a teen driver for full coverage may cost $4,804

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 policy deductibles and limits, your driving characteristics, and the trim level of your Niro.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $430 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 additional per year, depending on your age. Kia Niro insurance for high-risk drivers is expensive and can cost as much as 44% to 134% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Kia Niro insurance prices. A middle-age driver might find rates as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,780 on average in Michigan, New York, and Louisiana.

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 Shop for More Affordable Kia Niro Insurance

Saving money on car insurance consists of having a good driving record, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Make time to compare rates at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a summary of the primary concepts that were touched on in this article.

  • You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date
  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,450 more each year to buy Kia Niro insurance
  • Increasing deductibles could save as much as $425 each year
  • Drivers age 20 and younger pay higher rates, as much as $400 per month if full coverage is included

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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