Kia Niro Insurance Rates

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

Average premium for full coverage: $1,248

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Niro trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates how location impacts insurance prices.

The ranges above illustrate why it is important to compare prices for a targeted area and risk profile, rather than using price averages.

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

Additional Rate Details

The chart below illustrates average Kia Niro insurance rates for other coverage scenarios.

• The lowest rate with discounts is $731
• Using higher $1,000 deductibles will save approximately $1,104 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,248
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,528
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,698
• The price for full coverage for a teenage driver can cost as much as $4,804 or more

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

Older drivers with no driving violations and high deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $4,800 a year. View Rates by Age

The state you live in has a huge impact on Kia Niro insurance rates. A driver around age 40 might see prices as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,690 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $430 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 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

If you have some driving violations or tend to cause accidents, you are probably paying $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be around 44% to 134% more than average. View High Risk Driver Rates

How to Find the Best Kia Niro Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having above-average credit, not filing small claims, and possibly higher deductibles. Spend time shopping around at every policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a brief recap of the data touched on above.

• Consumers who want increased liability limits will pay about $500 annually to increase from a low limit to 250/500 limits
• It is possible to save approximately $150 per year just by quoting early and online
• Increasing physical damage deductibles can save around $425 each year
• Drivers under the age of 20 have the highest car insurance prices, as much as $400 a month if full coverage is included