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Kia Niro Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 30, 2020

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Estimated insurance prices for a Kia Niro are $1,324 every 12 months including full coverage. Comprehensive costs approximately $294 each year, collision insurance costs $482, and liability costs $390. A policy with only liability insurance costs as little as $452 a year, and a high-risk policy costs around $2,844. 16-year-old drivers pay the most at up to $4,916 a year.

Average premium for full coverage: $1,324

Premium estimates by type of coverage:

Comprehensive $294
Collision $482
Liability $390

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Niro models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Kia Niro range from the cheapest price of $452 for just liability coverage to a high rate of $2,844 for a driver who has had serious violations or accidents.

Liability Only $452
Full Coverage $1,324
High Risk $2,844

Insurance Price Range by Location

Your location can have significant affects on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how location helps determine auto insurance prices.

Rural Areas $993
Small Cities $1,390
Large Cities $1,787

These rate differences highlight why all drivers should compare rates using their specific location and their own driving history, instead of using 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.

Detailed Rate Analysis

The chart below breaks down average Kia Niro insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $772
  • Drivers who choose higher $1,000 deductibles will pay $176 every year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,324
  • Buying low deductibles for comprehensive and collision insurance increases the price to $1,662
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,844
  • An auto insurance policy to insure a teen driver can cost $4,916 a year

View Chart as Image

Kia Niro insurance cost comparison chart
Column chart showing Kia Niro insurance rates range from $772 to $4,916 for full coverage

Car insurance prices for a Kia Niro also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Niro.

Opting for high physical damage deductibles could save up to $520 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 135% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Kia Niro insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,890 on average in Louisiana, New York, and Michigan.

Kia Niro Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,196 -$128 -9.7%
Alaska $1,014 -$310 -23.4%
Arizona $1,100 -$224 -16.9%
Arkansas $1,324 -$0 0.0%
California $1,506 $182 13.7%
Colorado $1,264 -$60 -4.5%
Connecticut $1,360 $36 2.7%
Delaware $1,498 $174 13.1%
Florida $1,656 $332 25.1%
Georgia $1,222 -$102 -7.7%
Hawaii $950 -$374 -28.2%
Idaho $894 -$430 -32.5%
Illinois $984 -$340 -25.7%
Indiana $996 -$328 -24.8%
Iowa $892 -$432 -32.6%
Kansas $1,256 -$68 -5.1%
Kentucky $1,804 $480 36.3%
Louisiana $1,958 $634 47.9%
Maine $816 -$508 -38.4%
Maryland $1,090 -$234 -17.7%
Massachusetts $1,058 -$266 -20.1%
Michigan $2,300 $976 73.7%
Minnesota $1,106 -$218 -16.5%
Mississippi $1,584 $260 19.6%
Missouri $1,174 -$150 -11.3%
Montana $1,422 $98 7.4%
Nebraska $1,046 -$278 -21.0%
Nevada $1,586 $262 19.8%
New Hampshire $952 -$372 -28.1%
New Jersey $1,480 $156 11.8%
New Mexico $1,172 -$152 -11.5%
New York $1,394 $70 5.3%
North Carolina $760 -$564 -42.6%
North Dakota $1,084 -$240 -18.1%
Ohio $914 -$410 -31.0%
Oklahoma $1,360 $36 2.7%
Oregon $1,212 -$112 -8.5%
Pennsylvania $1,262 -$62 -4.7%
Rhode Island $1,766 $442 33.4%
South Carolina $1,200 -$124 -9.4%
South Dakota $1,116 -$208 -15.7%
Tennessee $1,160 -$164 -12.4%
Texas $1,596 $272 20.5%
Utah $980 -$344 -26.0%
Vermont $904 -$420 -31.7%
Virginia $792 -$532 -40.2%
Washington $1,022 -$302 -22.8%
West Virginia $1,214 -$110 -8.3%
Wisconsin $916 -$408 -30.8%
Wyoming $1,180 -$144 -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
2020 Kia Niro $294 $482 $390 $1,324
2019 Kia Niro $282 $478 $398 $1,316
2018 Kia Niro $272 $466 $416 $1,312
2017 Kia Niro $262 $446 $430 $1,296

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 Low Cost Kia Niro Insurance

Finding better rates on car insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, refrain from filing small claims, and attention to physical damage deductibles. Invest time comparing rates every other policy renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a review of the ideas that were covered in the charts and tables above.

  • Teenage drivers pay the highest auto insurance prices, with the cost nearing $410 per month if the policy includes full coverage
  • Higher risk drivers who have several accidents or serious violations could be charged and average of $1,520 more per year for auto insurance
  • Increasing policy deductibles could save as much as $525 each year
  • You may be able to save around $160 per year just by quoting online in advance

Rates by Driver Age

Kia Niro Insurance Rates by Driver Age
Driver Age Premium
16 $4,916
20 $3,030
30 $1,376
40 $1,324
50 $1,208
60 $1,182

Full coverage, $500 deductibles

Rates by Deductible

Kia Niro Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,662
$250 $1,506
$500 $1,324
$1,000 $1,148

Full coverage, driver age 40

Rates by Liability Limit

Kia Niro Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,324
50/100 $1,402
100/300 $1,500
250/500 $1,753
100 CSL $1,441
300 CSL $1,656
500 CSL $1,812

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Niro Insurance Rates for High Risk Drivers
Age Premium
16 $7,002
20 $4,816
30 $2,904
40 $2,844
50 $2,712
60 $2,688

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 $180

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $95
5-yr Claim Free $84
Paid in Full/EFT $59
Advance Quote $64
Online Quote $93
Total Discounts $552
Rate after discounts $772

Discounts are estimated and may not be available from every company or in every state.

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