Kia Niro Insurance Cost Estimate [How to Find Cheap Rates]

If you want to buy Kia Niro insurance coverage then a policy will cost $110 per month ($1,316 per year) on average. Shop around to find cheap Kia Niro insurance rates. On average, Kia Niro comprehensive insurance coverage costs $321, collision coverage costs $468, and liability coverage costs $371.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 17, 2020

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Key takeaways:

  • Full coverage costs around $1,316 a year or $110 each month
  • A liability-only policy costs around $527 a year or $44 each month
  • Highest rates are for teenage drivers at around $4,810 a year or $401 each month
  • Good drivers can save as much as $543 a year by earning policy discounts
  • Kia Niro insurance costs around $203 less per year than the average vehicle

If you ever found yourself wondering the best way to find affordable Kia Niro insurance rates, look no further. This in-depth article is structured to show you exactly how Kia Niro rates are calculated so you can become an expert in your search for a Kia Niro car insurance policy.

You can start comparing quotes for Kia Niro car insurance rates from some of the best car insurance companies by using our free online tool now.

Kia Niro Insurance Cost

The average Kia Niro car insurance costs are $1,316 a year or $110 a month.

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Are Kia Niros Expensive to Insure?

The chart below details how Kia Niro insurance rates compare to other crossovers like the Audi Q5, Hyundai Kona, and Audi SQ5.

Vehicle Comprehensive Collision Liability Total
Kia Niro $282 $478 $398 $1,316
Audi Q5 $362 $718 $372 $1,610
Hyundai Kona $280 $500 $316 $1,232
Audi SQ5 $394 $774 $264 $1,542
Nissan Murano $294 $512 $390 $1,354
Honda HR-V $294 $532 $372 $1,356
Infiniti QX30 $344 $686 $398 $1,586
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However, there are a few things you can do to find the cheapest Kia insurance rates online.

What Impacts the Cost of Kia Niro Insurance?

The Kia Niro trim and model you choose can impact the total price you will pay for Kia Niro insurance coverage.

Age of the Vehicle

Older Kia Niro models generally cost less to insure. For example, car insurance for a 2018 Kia Niro costs $1,316, while 2017 Kia Niro insurance costs are $1,312, a difference of $4.

Model Year Comprehensive Collision Liability Total
2018 Kia Niro $282 $478 $398 $1,316
2017 Kia Niro $272 $466 $416 $1,312
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Driver Age

Driver age can have a significant effect on the cost of Kia Niro car insurance. For example, 30-year-old drivers pay approximately $58 more for their Kia Niro car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Kia Niro insurance rates. For example, drivers in New York may pay $342 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on your Kia Niro car insurance rates. Teens and drivers in their 20’s see the highest jump in their Kia Niro car insurance with violations on their driving record.

Kia Niro Crash Test Ratings

Good Kia Niro crash test ratings mean the VW is safer, which could mean cheaper Kia Niro car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Kia Niro Plug-in Hybrid SUV FWD N/R N/R N/R N/R
2020 Kia Niro Hybrid SUV FWD N/R N/R N/R N/R
2020 Kia Niro Electric SUV FWD N/R N/R N/R N/R
2019 Kia Niro Plug-In Hybrid SUV FWD N/R N/R N/R N/R
2019 Kia Niro Hybrid SUV FWD 4 stars 3 stars 5 stars 4 stars
2019 Kia Niro Electric SUV FWD N/R N/R N/R N/R
2018 Kia Niro Plug-In Hybrid SUV FWD N/R N/R N/R N/R
2018 Kia Niro Hybrid SUV FWD N/R N/R N/R N/R
2017 Kia Niro Hybrid SUV FWD N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Kia Niro Safety Features

Kia Niro safety features can lower the cost of your insurance. The safety features for the 2019 Kia Niro include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control

Kia Niro Finance and Insurance Cost

If you are financing a Kia Niro, you will pay more if you purchase Kia Niro auto insurance at the dealership, so be sure to shop around and compare Kia Niro auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Kia Niro Insurance

There are many ways that you can save on Kia Niro car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Kia Niro car insurance rates low.

  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Don’t Assume your Kia Niro is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Ask About Usage-Based Insurance for Your Kia Niro
  • Compare Kia Niro Quotes Online
  • If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan

Top Kia Niro Insurance Companies

Several top car insurance companies offer competitive rates for the Kia Niro rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Kia Niro drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Kia Niro Insurance Quotes Online

You can start comparing quotes for Kia Niro car insurance rates from some of the best car insurance companies by using our free online tool now.

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Average Monthly Car Insurance Rates by State