Kia Niro Insurance Rates
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UPDATED: Apr 8, 2024
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U.S. average insurance rates for a Kia Niro are $1,278 a year for full coverage. Comprehensive costs an estimated $248 each year, collision costs $430, and liability is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing around $2,770. Teens pay the highest rates at $4,900 a year or more.
Average premium for full coverage: $1,278
Price estimates broken down by individual coverage:
These estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Niro models.
Price Range from Low to High
For an average driver, Kia Niro insurance prices go from as low as $496 for your basic liability-only policy to a high rate of $2,770 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. More rural locations have a lower frequency of accident claims than cities with more traffic congestion.
The graphic below illustrates the effect of geographic area on insurance prices.
The ranges above show why all drivers should get quotes for a targeted area and risk profile, 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.
More Rate Information
The chart below shows estimated Kia Niro insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $745
- Choosing higher $1,000 deductibles can save approximately $154 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,278
- Selecting low deductibles for comp and collision coverage will increase the cost to $1,578
- Higher-risk drivers with serious driving violations could pay up to $2,770 or more
- The price for full coverage for a 16-year-old driver can cost as much as $4,900 each year
Insurance prices for a Kia Niro are also quite variable based on your driving record, the trim level of your Niro, and liability limits and deductibles.
More mature drivers with no violations or accidents and high deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age
The state you live in plays a big part in determining prices for Kia Niro insurance prices. A good driver about age 40 could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,830 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,158 | -$120 | -9.4% |
| Alaska | $982 | -$296 | -23.2% |
| Arizona | $1,064 | -$214 | -16.7% |
| Arkansas | $1,278 | -$0 | 0.0% |
| California | $1,456 | $178 | 13.9% |
| Colorado | $1,224 | -$54 | -4.2% |
| Connecticut | $1,316 | $38 | 3.0% |
| Delaware | $1,448 | $170 | 13.3% |
| Florida | $1,600 | $322 | 25.2% |
| Georgia | $1,182 | -$96 | -7.5% |
| Hawaii | $920 | -$358 | -28.0% |
| Idaho | $866 | -$412 | -32.2% |
| Illinois | $952 | -$326 | -25.5% |
| Indiana | $964 | -$314 | -24.6% |
| Iowa | $862 | -$416 | -32.6% |
| Kansas | $1,216 | -$62 | -4.9% |
| Kentucky | $1,746 | $468 | 36.6% |
| Louisiana | $1,896 | $618 | 48.4% |
| Maine | $790 | -$488 | -38.2% |
| Maryland | $1,056 | -$222 | -17.4% |
| Massachusetts | $1,024 | -$254 | -19.9% |
| Michigan | $2,224 | $946 | 74.0% |
| Minnesota | $1,070 | -$208 | -16.3% |
| Mississippi | $1,534 | $256 | 20.0% |
| Missouri | $1,134 | -$144 | -11.3% |
| Montana | $1,374 | $96 | 7.5% |
| Nebraska | $1,010 | -$268 | -21.0% |
| Nevada | $1,534 | $256 | 20.0% |
| New Hampshire | $920 | -$358 | -28.0% |
| New Jersey | $1,432 | $154 | 12.1% |
| New Mexico | $1,134 | -$144 | -11.3% |
| New York | $1,350 | $72 | 5.6% |
| North Carolina | $736 | -$542 | -42.4% |
| North Dakota | $1,048 | -$230 | -18.0% |
| Ohio | $886 | -$392 | -30.7% |
| Oklahoma | $1,314 | $36 | 2.8% |
| Oregon | $1,172 | -$106 | -8.3% |
| Pennsylvania | $1,220 | -$58 | -4.5% |
| Rhode Island | $1,708 | $430 | 33.6% |
| South Carolina | $1,158 | -$120 | -9.4% |
| South Dakota | $1,082 | -$196 | -15.3% |
| Tennessee | $1,122 | -$156 | -12.2% |
| Texas | $1,540 | $262 | 20.5% |
| Utah | $948 | -$330 | -25.8% |
| Vermont | $876 | -$402 | -31.5% |
| Virginia | $766 | -$512 | -40.1% |
| Washington | $990 | -$288 | -22.5% |
| West Virginia | $1,172 | -$106 | -8.3% |
| Wisconsin | $886 | -$392 | -30.7% |
| Wyoming | $1,142 | -$136 | -10.6% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $460 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 131% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer calculates prices differently, and prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Niro | $308 | $500 | $372 | $1,338 |
| 2023 Kia Niro | $294 | $482 | $390 | $1,324 |
| 2022 Kia Niro | $282 | $478 | $398 | $1,316 |
| 2021 Kia Niro | $272 | $466 | $416 | $1,312 |
| 2020 Kia Niro | $262 | $446 | $430 | $1,296 |
| 2019 Kia Niro | $248 | $430 | $442 | $1,278 |
| 2018 Kia Niro | $238 | $400 | $452 | $1,248 |
| 2017 Kia Niro | $230 | $376 | $456 | $1,220 |
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 Cheap Kia Niro Insurance
Getting lower rates on insurance for a Kia Niro takes having a good driving record, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every other policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The next list is a brief summary of the ideas that were covered in the above illustrations.
- Drivers age 20 and younger are expensive to insure, with premiums as much as $408 a month including comprehensive and collision insurance
- Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,490 more annually to buy Kia Niro insurance
- Increasing physical damage deductibles can save around $450 each year
- Drivers can save approximately $150 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,900 |
| 20 | $2,952 |
| 30 | $1,324 |
| 40 | $1,278 |
| 50 | $1,170 |
| 60 | $1,148 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,578 |
| $250 | $1,440 |
| $500 | $1,278 |
| $1,000 | $1,124 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,278 |
| 50/100 | $1,366 |
| 100/300 | $1,477 |
| 250/500 | $1,764 |
| 100 CSL | $1,411 |
| 300 CSL | $1,654 |
| 500 CSL | $1,831 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,966 |
| 20 | $4,702 |
| 30 | $2,818 |
| 40 | $2,770 |
| 50 | $2,646 |
| 60 | $2,622 |
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 | $67 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $90 |
| Total Discounts | $533 |
Discounts are estimated and may not be available from every company or in every state.
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