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 including full coverage. Comprehensive costs an estimated $238, collision insurance costs $400, and liability is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs around $2,698. Teens pay the highest rates at up to $4,804 a year.
Average premium for full coverage: $1,248
Price estimates broken down by individual coverage:
These estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Niro models.
Price Range from Low to High
For an average driver, Kia Niro insurance prices range from as cheap as $504 for liability-only coverage to the much higher price of $2,698 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on 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.
Additional Charts and Tables
The chart below breaks down average Kia Niro insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $731
- Raising to $1,000 deductibles will save approximately $144 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,248
- Selecting pricier low deductibles will cost $1,528
- Drivers with serious driving violations could pay up to $2,698
- The price with full coverage for a 16-year-old driver for full coverage can cost as much as $4,804
Car insurance prices for a Kia Niro are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,100 extra each year, depending on your age. Kia Niro insurance for high-risk drivers is expensive and can cost from 44% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $430 annually, whereas buying more liability protection will increase premiums. Changing 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 also has a big influence on Kia Niro insurance prices. A middle-age driver might find prices as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,780 on average in Louisiana, New York, and Michigan.
| 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% |
| 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 consists of avoiding accidents and claims, having a good credit score, being claim-free, and possibly higher deductibles. Take the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The points below are a brief summary of the primary concepts that were covered in the above illustrations.
- You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,450 more annually to insure a Kia Niro
- Increasing physical damage deductibles could save up to $425 each year
- Drivers under the age of 20 have the highest car insurance prices, possibly costing $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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