Compare Kia Niro Car Insurance Rates [2023]
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
|
Written by
Laura Berry |
|
Reviewed by
Joel Ohman
|
UPDATED: Jun 17, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 17, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
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.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
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 |
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 |
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 | ||||
|---|---|---|---|---|
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.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
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 | |||
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.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
|
Written by
Laura Berry |
|
Reviewed by
Joel Ohman
|