Kia Niro Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 8, 2024
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Estimated insurance prices for a Kia Niro are $1,220 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $230 each year, collision insurance costs $376, and liability insurance costs $456. A policy with only liability insurance costs as little as $508 a year, and a high-risk policy costs $2,636 or more. Teenage drivers pay the most at up to $4,720 a year.
Average premium for full coverage: $1,220
Premium estimates by type of coverage:
Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Niro models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Kia Niro range from the cheapest price of $508 for basic liability insurance to a high rate of $2,636 for a high-risk insurance policy.
Insurance Price Range by Location
Your location has a significant impact on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance prices.
These rate differences illustrate why all drivers should compare rates using their specific location and their own driving history, rather than relying on average rates.
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.
Rate Comparisons
The chart below illustrates average Kia Niro insurance rates for additional coverage and risk scenarios.
- The best discount rate is $717
- Drivers who choose higher $1,000 deductibles will pay $138 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,220
- Using low deductibles for comprehensive and collision insurance costs an extra $266 a year
- High risk drivers who are prone to accidents and violations could pay around $2,636
- An auto insurance policy to insure a teen driver can cost $4,720 a year
Car insurance prices for a Kia Niro also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Niro.
Using high physical damage deductibles could save up to $410 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 137% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Kia Niro insurance rates. A 40-year-old driver could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,650 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,104 | -$116 | -9.5% |
| Alaska | $936 | -$284 | -23.3% |
| Arizona | $1,012 | -$208 | -17.0% |
| Arkansas | $1,220 | -$0 | 0.0% |
| California | $1,392 | $172 | 14.1% |
| Colorado | $1,166 | -$54 | -4.4% |
| Connecticut | $1,254 | $34 | 2.8% |
| Delaware | $1,382 | $162 | 13.3% |
| Florida | $1,526 | $306 | 25.1% |
| Georgia | $1,126 | -$94 | -7.7% |
| Hawaii | $876 | -$344 | -28.2% |
| Idaho | $824 | -$396 | -32.5% |
| Illinois | $908 | -$312 | -25.6% |
| Indiana | $918 | -$302 | -24.8% |
| Iowa | $822 | -$398 | -32.6% |
| Kansas | $1,160 | -$60 | -4.9% |
| Kentucky | $1,664 | $444 | 36.4% |
| Louisiana | $1,806 | $586 | 48.0% |
| Maine | $754 | -$466 | -38.2% |
| Maryland | $1,006 | -$214 | -17.5% |
| Massachusetts | $976 | -$244 | -20.0% |
| Michigan | $2,120 | $900 | 73.8% |
| Minnesota | $1,022 | -$198 | -16.2% |
| Mississippi | $1,460 | $240 | 19.7% |
| Missouri | $1,082 | -$138 | -11.3% |
| Montana | $1,310 | $90 | 7.4% |
| Nebraska | $960 | -$260 | -21.3% |
| Nevada | $1,462 | $242 | 19.8% |
| New Hampshire | $880 | -$340 | -27.9% |
| New Jersey | $1,362 | $142 | 11.6% |
| New Mexico | $1,080 | -$140 | -11.5% |
| New York | $1,286 | $66 | 5.4% |
| North Carolina | $702 | -$518 | -42.5% |
| North Dakota | $998 | -$222 | -18.2% |
| Ohio | $842 | -$378 | -31.0% |
| Oklahoma | $1,254 | $34 | 2.8% |
| Oregon | $1,116 | -$104 | -8.5% |
| Pennsylvania | $1,162 | -$58 | -4.8% |
| Rhode Island | $1,628 | $408 | 33.4% |
| South Carolina | $1,104 | -$116 | -9.5% |
| South Dakota | $1,030 | -$190 | -15.6% |
| Tennessee | $1,068 | -$152 | -12.5% |
| Texas | $1,470 | $250 | 20.5% |
| Utah | $904 | -$316 | -25.9% |
| Vermont | $836 | -$384 | -31.5% |
| Virginia | $732 | -$488 | -40.0% |
| Washington | $942 | -$278 | -22.8% |
| West Virginia | $1,118 | -$102 | -8.4% |
| Wisconsin | $844 | -$376 | -30.8% |
| Wyoming | $1,088 | -$132 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Niro | $282 | $478 | $398 | $1,316 |
| 2023 Kia Niro | $272 | $466 | $416 | $1,312 |
| 2022 Kia Niro | $262 | $446 | $430 | $1,296 |
| 2021 Kia Niro | $248 | $430 | $442 | $1,278 |
| 2020 Kia Niro | $238 | $400 | $452 | $1,248 |
| 2019 Kia Niro | $230 | $376 | $456 | $1,220 |
| 2018 Kia Niro | $220 | $338 | $460 | $1,176 |
| 2017 Kia Niro | $206 | $310 | $460 | $1,134 |
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 Shop for the Cheapest Kia Niro Insurance
Finding better rates on Kia Niro insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Make time to compare rates at least every other year by getting rate quotes from direct insurance companies, and also from local insurance agencies.
The list below is a recap of the car insurance concepts touched on in this article.
- High-risk drivers that have major violations or accidents may have to pay on average $1,420 more per year for car insurance
- It is possible to save around $140 per year just by quoting online in advance
- Increasing policy deductibles could save as much as $400 each year
- Drivers who purchase higher liability limits will pay an extra $500 annually to go from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,720 |
| 20 | $2,808 |
| 30 | $1,258 |
| 40 | $1,220 |
| 50 | $1,116 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,486 |
| $250 | $1,362 |
| $500 | $1,220 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,220 |
| 50/100 | $1,311 |
| 100/300 | $1,425 |
| 250/500 | $1,722 |
| 100 CSL | $1,357 |
| 300 CSL | $1,608 |
| 500 CSL | $1,790 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,700 |
| 20 | $4,472 |
| 30 | $2,676 |
| 40 | $2,636 |
| 50 | $2,518 |
| 60 | $2,496 |
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 | $64 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $51 |
| Advance Quote | $57 |
| Online Quote | $85 |
| Total Discounts | $503 |
Discounts are estimated and may not be available from every company or in every state.
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