Kia Niro Insurance Rates

U.S. average auto insurance rates for a Kia Niro are $1,248 annually with full coverage. Comprehensive costs around $238 a year, collision insurance costs $400, and liability insurance costs $452. Liability-only insurance costs as little as $504 a year, and high-risk driver insurance costs around $2,698. Teenage drivers pay the highest rates at up to $4,804 a year.

Average premium for full coverage: $1,248

Price estimates for individual coverage:

Prices include $500 physical damage deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Niro trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. Areas with sparse population have fewer collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance rates.

The ranges above demonstrate why it is important to compare rates for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

The chart below details average Kia Niro insurance rates for additional coverage choices and driver risks.

• The best discount rate is $731
• Drivers who choose higher $1,000 deductibles will pay about $1,104 annually
• The estimated rate for the average middle-age driver using $500 deductibles is $1,248
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,528
• High risk drivers who are prone to accidents and violations could pay at least $2,698
• The price with full coverage for a teen driver can be $4,804 a year

View Chart as Image

Car insurance prices for a Kia Niro are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $430 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Kia Niro insurance rates. A 40-year-old driver could pay as low as $900 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,690 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy the Right Kia Niro Insurance

Getting lower rates on Kia Niro insurance not only requires being a safe and courteous driver, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates at every policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a quick rundown of the data touched on in this article.

• Drivers who may need higher levels of liability will pay an extra $500 every year to go from a low limit to higher 250/500 limits
• You may be able to save up to $150 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $425 each year
• Teenage drivers are the costliest to insure, costing up to $400 a month if comprehensive and collision insurance is included