Kia Niro Insurance Rates

Estimated insurance rates for a Kia Niro are $1,248 a year including full coverage. Comprehensive insurance costs on average $238, collision costs $400, and liability insurance is estimated at $452. A policy with only liability insurance costs approximately $504 a year, with a high-risk policy costing $2,698 or more. Teenage drivers pay the most at $4,804 a year or more.

Average premium for full coverage: $1,248

Premium estimates by type of coverage:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Niro trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how geographic area affects car insurance rates.

These rate differences highlight why anyone shopping for car insurance should get quotes based on a specific location, rather than relying on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below breaks down estimated Kia Niro insurance rates for different risk profiles and scenarios.

• The best discount rate is $731
• Choosing higher $1,000 deductibles can save around $144 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,248
• Using more expensive low deductibles for comp and collision coverage will cost an additional $280 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,698 or more
• An auto insurance policy that insures a teen driver with full coverage may cost $4,804 each year

View Chart as Image

Car insurance prices for a Kia Niro also have a wide range based on the model year and trim level, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 annually 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 be charged upwards of $4,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Kia Niro insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,780 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $430 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different.

How to Find Cheap Kia Niro Insurance

Finding better rates on Kia Niro insurance takes not taking risks behind the wheel, having a positive credit history, refrain from filing small claims, and maximizing policy discounts. Compare prices every time your policy renews by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a brief summary of the information presented in the illustrations above.

• You may be able to save as much as $150 per year simply by shopping early and online
• Teens are expensive to insure, with the cost nearing $400 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $425 each year
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,450 more each year for Niro insurance
• Drivers who require higher liability limits will pay an extra $500 per year to raise limits from 30/60 bodily injury limits to the 250/500 level