Kia Niro Insurance Rates
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UPDATED: Jun 6, 2023
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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:
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.
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.
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
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.
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% |
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,528 |
$250 | $1,400 |
$500 | $1,248 |
$1,000 | $1,104 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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