Kia Niro Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

U.S. average auto insurance rates for a Kia Niro are $1,248 annually with full coverage. Comprehensive costs around $238, collision costs $400, and liability costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing around $2,698. 16-year-old drivers pay the highest rates at $4,804 a year or more.

Average premium for full coverage: $1,248

Price estimates for individual coverage:

Comprehensive $238
Collision $400
Liability $452

These estimates include $500 deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Niro trim levels.

Price Range from Low to High

For the average driver, Kia Niro insurance prices go from as cheap as $504 for liability-only coverage to a much higher rate of $2,698 for coverage for higher-risk drivers.

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

Geographic Price Range

Your location can make a big difference on insurance rates. Areas with sparse population have fewer collision claims than congested cities.

The price range example below illustrates how location impacts auto insurance rates.

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

The ranges above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.

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.

Additional Charts and Tables

The chart below details estimated Kia Niro insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $731
  • Drivers who choose higher $1,000 deductibles will pay about $144 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,248
  • Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,528
  • Drivers with multiple tickets or accidents could pay at least $2,698 or more
  • The price with full coverage for a 16-year-old driver with full coverage can be $4,804 a year

View Chart as Image

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

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

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can cost from 44% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $430 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Kia Niro insurance prices. A 40-year-old driver could pay as low as $900 a year in states like New Hampshire, Ohio, and Utah, or at least $1,690 on average in Florida, Michigan, and New York.

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

Since prices can be so different, the best way to find out your exact price is to compare prices from multiple companies. Every company utilizes a different rate formula, so rate quotes may be quite different between companies.

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 Cheap Kia Niro Insurance

Getting lower rates on insurance for a Kia Niro not only requires not taking risks behind the wheel, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around at least once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief summary of the primary concepts that were touched on above.

  • You may be able to save up to $150 per year simply by shopping early and online
  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,450 more every year for Niro insurance
  • Increasing physical damage deductibles could save up to $425 each year
  • Teens are the costliest to insure, costing up to $400 a month if comprehensive and collision insurance 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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles