Kia Niro Insurance Rates
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UPDATED: Apr 8, 2024
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The average auto insurance rates for a Kia Niro are $1,278 annually for full coverage. Comprehensive costs on average $248, collision insurance costs $430, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs around $2,770. 16-year-old drivers cost the most to insure at up to $4,900 a year.
Average premium for full coverage: $1,278
Policy rates by type of insurance:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different Niro trim levels.
Price Range Variability
For a driver in their 40's, Kia Niro insurance rates range from as cheap as $496 for just liability coverage to a much higher rate of $2,770 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than congested cities. The price range example below illustrates how location helps determine car insurance rates.
The examples above show why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of using rate averages.
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.
Detailed Rate Analysis
The chart below shows average Kia Niro insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $745
- Choosing higher $1,000 deductibles can save around $154 a year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,278
- Buying more expensive low deductibles for comp and collision coverage will cost $1,578
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,770
- Policy cost with full coverage for a teen driver with full coverage may cost $4,900 each year
Insurance rates for a Kia Niro also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance ranges as much as 43% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $460 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
Your home state 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 Idaho, Maine, and Iowa, or at least $1,830 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 Buy More Affordable Kia Niro Insurance
Finding cheaper rates on car insurance takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest time comparing rates every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The points below are a summary of the information covered in the charts and tables above.
- Drivers can save as much as $150 per year just by shopping early and online
- Drivers under the age of 20 pay higher rates, costing up to $408 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save up to $450 each year
- Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,490 more each year to insure a Kia Niro
- Policyholders who require increased liability limits will pay around $490 each year to raise limits from a 30/60 limit to higher 250/500 limits
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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