Kia Niro Insurance Rates
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Written by
Jeffrey Johnson
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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:
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.
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.
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
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.
| 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% |
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,662 |
| $250 | $1,506 |
| $500 | $1,324 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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