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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Estimated insurance rates for a Kia Niro are $1,248 a year for full coverage. Comprehensive costs around $238 each year, collision costs $400, and liability costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,698. Teens pay the most at $4,804 a year or more.
Average premium for full coverage: $1,248
Premium estimates for type of coverage:
Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Niro models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Kia Niro go from the low end price of $504 for basic liability insurance to a high rate of $2,698 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.
The graphic below illustrates the effect of geographic area on auto insurance rates.
These rate differences show why all drivers should compare rates for a specific zip code, instead of 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.
Rate Comparisons
The chart below shows estimated Kia Niro insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $731
- Drivers who choose higher $1,000 deductibles will pay about $144 a year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,248
- Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,528
- Higher-risk drivers with serious driving violations could pay at least $2,698 or more
- An auto insurance policy that insures a teen driver can be $4,804 a year
Auto insurance prices for a Kia Niro also have a wide range based on the trim level and model year, how you drive, and deductibles and policy limits.
If you have a few violations or you caused an accident, you could be paying at least $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 134% more than the average policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,800 a year. View Rates by Age
Where you choose to live makes a big difference in Kia Niro insurance prices. A 40-year-old driver could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,780 on average in Michigan, Louisiana, 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $430 every year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know your exact price is to do a rate comparison and see which company has the best price. Every company calculates prices differently, and quoted prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Niro | $294 | $482 | $390 | $1,324 |
| 2023 Kia Niro | $282 | $478 | $398 | $1,316 |
| 2022 Kia Niro | $272 | $466 | $416 | $1,312 |
| 2021 Kia Niro | $262 | $446 | $430 | $1,296 |
| 2020 Kia Niro | $248 | $430 | $442 | $1,278 |
| 2019 Kia Niro | $238 | $400 | $452 | $1,248 |
| 2018 Kia Niro | $230 | $376 | $456 | $1,220 |
| 2017 Kia Niro | $220 | $338 | $460 | $1,176 |
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 More Affordable Kia Niro Insurance
Finding better rates on car insurance not only requires having a good driving record, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare rates at least every other year by getting quotes from direct carriers, and also from several local insurance agents.
The next list is a summary of the car insurance concepts covered in the above illustrations.
- Higher risk drivers who have multiple accidents or major violations pay on average $1,450 more every year to buy Kia Niro insurance
- Drivers can save up to $150 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $425 each year
- Policyholders who may need increased levels of liability coverage will pay approximately $500 each year to go from 30/60 bodily injury limits to the 250/500 level
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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