Kia Niro Insurance Rates

U.S. average insurance rates for a Kia Niro are $1,248 a year with full coverage. Comprehensive insurance costs an estimated $238 a year, collision insurance costs $400, and liability is $452. A policy with just liability insurance costs around $504 a year, and coverage for high-risk drivers costs $2,698 or more. Teenage 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:

Includes $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Niro trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations have lower incidents of collision claims than densely populated cities. The diagram below illustrates how your location can change insurance prices.

The ranges above demonstrate why it is important to compare rates quotes for a targeted area, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $731
• Raising to $1,000 deductibles will save approximately $1,104 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,248
• Using low $100 deductibles will cost an additional $280 every year
• At-risk drivers who are prone to accidents and violations could pay up to $2,698
• The price that insures a teen driver can cost as much as $4,804

View Chart as Image

Insurance prices for a Kia Niro are also quite variable based on the trim level of your Niro, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,800 a year. View Rates by Age

The state you live in also has a big influence on Kia Niro insurance prices. A middle-age driver might find prices as low as $900 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,690 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $430 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Kia Niro Insurance

Getting lower rates on car insurance consists of being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare prices at least every other year by quoting rates from direct companies, and also from insurance agencies where you live.

Below you'll find a recap of the car insurance concepts illustrated above.

• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,450 more annually than a low-risk driver
• You may be able to save approximately $150 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $425 each year
• Policyholders who want more liability protection will pay an extra $500 every year to raise from a low limit to the 250/500 level