Kia Niro Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 8, 2024
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Average insurance rates for a Kia Niro are $1,220 a year for full coverage. Comprehensive insurance costs approximately $230, collision costs $376, and liability coverage is $456. A liability-only policy costs around $508 a year, with high-risk insurance costing $2,636 or more. Teens receive the highest rates at $4,720 a year or more.
Average premium for full coverage: $1,220
Rate estimates by individual coverage type:
Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different Niro trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the low end price of $508 for your basic liability-only policy to a much higher rate of $2,636 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural locations tend to have lower incidents of accident claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on auto insurance prices.
These examples show why anyone shopping for car insurance should compare rates quotes using their specific location, rather than 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.
More Rate Information
The chart below shows estimated Kia Niro insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $717
- Raising to $1,000 deductibles will save $138 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,220
- Selecting more expensive low deductibles will cost an additional $266 each year
- Unlucky drivers with serious driving violations could pay around $2,636 or more
- The cost that insures a teenage driver with full coverage can cost $4,720
Insurance rates for a Kia Niro can also vary considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,500 to $2,000 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 137% more than the average policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age
Where you live also has a big influence on Kia Niro insurance rates. A middle-age driver might find rates as low as $800 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,740 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,104 | -$116 | -9.5% |
| Alaska | $936 | -$284 | -23.3% |
| Arizona | $1,012 | -$208 | -17.0% |
| Arkansas | $1,220 | -$0 | 0.0% |
| California | $1,392 | $172 | 14.1% |
| Colorado | $1,166 | -$54 | -4.4% |
| Connecticut | $1,254 | $34 | 2.8% |
| Delaware | $1,382 | $162 | 13.3% |
| Florida | $1,526 | $306 | 25.1% |
| Georgia | $1,126 | -$94 | -7.7% |
| Hawaii | $876 | -$344 | -28.2% |
| Idaho | $824 | -$396 | -32.5% |
| Illinois | $908 | -$312 | -25.6% |
| Indiana | $918 | -$302 | -24.8% |
| Iowa | $822 | -$398 | -32.6% |
| Kansas | $1,160 | -$60 | -4.9% |
| Kentucky | $1,664 | $444 | 36.4% |
| Louisiana | $1,806 | $586 | 48.0% |
| Maine | $754 | -$466 | -38.2% |
| Maryland | $1,006 | -$214 | -17.5% |
| Massachusetts | $976 | -$244 | -20.0% |
| Michigan | $2,120 | $900 | 73.8% |
| Minnesota | $1,022 | -$198 | -16.2% |
| Mississippi | $1,460 | $240 | 19.7% |
| Missouri | $1,082 | -$138 | -11.3% |
| Montana | $1,310 | $90 | 7.4% |
| Nebraska | $960 | -$260 | -21.3% |
| Nevada | $1,462 | $242 | 19.8% |
| New Hampshire | $880 | -$340 | -27.9% |
| New Jersey | $1,362 | $142 | 11.6% |
| New Mexico | $1,080 | -$140 | -11.5% |
| New York | $1,286 | $66 | 5.4% |
| North Carolina | $702 | -$518 | -42.5% |
| North Dakota | $998 | -$222 | -18.2% |
| Ohio | $842 | -$378 | -31.0% |
| Oklahoma | $1,254 | $34 | 2.8% |
| Oregon | $1,116 | -$104 | -8.5% |
| Pennsylvania | $1,162 | -$58 | -4.8% |
| Rhode Island | $1,628 | $408 | 33.4% |
| South Carolina | $1,104 | -$116 | -9.5% |
| South Dakota | $1,030 | -$190 | -15.6% |
| Tennessee | $1,068 | -$152 | -12.5% |
| Texas | $1,470 | $250 | 20.5% |
| Utah | $904 | -$316 | -25.9% |
| Vermont | $836 | -$384 | -31.5% |
| Virginia | $732 | -$488 | -40.0% |
| Washington | $942 | -$278 | -22.8% |
| West Virginia | $1,118 | -$102 | -8.4% |
| Wisconsin | $844 | -$376 | -30.8% |
| Wyoming | $1,088 | -$132 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $410 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, so the rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Niro | $282 | $478 | $398 | $1,316 |
| 2023 Kia Niro | $272 | $466 | $416 | $1,312 |
| 2022 Kia Niro | $262 | $446 | $430 | $1,296 |
| 2021 Kia Niro | $248 | $430 | $442 | $1,278 |
| 2020 Kia Niro | $238 | $400 | $452 | $1,248 |
| 2019 Kia Niro | $230 | $376 | $456 | $1,220 |
| 2018 Kia Niro | $220 | $338 | $460 | $1,176 |
| 2017 Kia Niro | $206 | $310 | $460 | $1,134 |
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 Find Affordable Kia Niro Insurance
Saving money on auto insurance consists of being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Compare rates at least every other year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below is a brief review of the car insurance concepts touched on in this article.
- Drivers with DUI or reckless driving convictions could be forced to pay on average $1,420 more per year for auto insurance
- Drivers can save around $140 per year simply by shopping early and online
- Increasing deductibles can save approximately $400 each year
- Consumers who purchase higher levels of liability will pay approximately $500 each year to raise from a minimum limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,720 |
| 20 | $2,808 |
| 30 | $1,258 |
| 40 | $1,220 |
| 50 | $1,116 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,486 |
| $250 | $1,362 |
| $500 | $1,220 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,220 |
| 50/100 | $1,311 |
| 100/300 | $1,425 |
| 250/500 | $1,722 |
| 100 CSL | $1,357 |
| 300 CSL | $1,608 |
| 500 CSL | $1,790 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,700 |
| 20 | $4,472 |
| 30 | $2,676 |
| 40 | $2,636 |
| 50 | $2,518 |
| 60 | $2,496 |
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 | $64 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $51 |
| Advance Quote | $57 |
| Online Quote | $85 |
| Total Discounts | $503 |
Discounts are estimated and may not be available from every company or in every state.
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