How Much is Insurance on a Kia Niro? [Rates + Coverage Guide]

Average Kia Niro car insurance rates cost $1,316 a year, or around $110 a month. Mature drivers with good driving records may find rates as low as $773 a year.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jun 24, 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

Kia Niro insurance rates don’t need to stress you out. Kia Niro insurance costs around $203 less per year than the average vehicle. Read on to learn more about Kia Niro insurance rates and what raises or lowers your rates.

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 rates 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 Lincoln MKT, Chevrolet Equinox, and Cadillac XT4.

Vehicle Comprehensive Collision Liability Total
Kia Niro $282 $478 $398 $1,316
Lincoln MKT $370 $626 $450 $1,626
Chevrolet Equinox $308 $532 $372 $1,370
Cadillac XT4 $362 $656 $316 $1,470
Audi SQ5 $394 $774 $264 $1,542
Lexus NX 300 $376 $688 $372 $1,594
Buick Envision $320 $566 $398 $1,442
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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, a 20-year-old driver could pay around $134 more each month for their Kia Niro car insurance than 30-year-old driver.

Driver Location

Where you live can have a large impact on Kia Niro insurance rates. For example, drivers in Jacksonville may pay $789 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Kia Niro car insurance. 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 Safety Ratings

The Kia Niro’s safety ratings will affect your Kia Niro car insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side  N/R
Moderate overlap front  N/R
Side  N/R
Roof strength  N/R
Head restraints and seats  N/R
Source: Insurance Institute for Highway Safety
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Kia Niro Crash Test Ratings

Poor Kia Niro crash test ratings could mean higher 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

The Kia Niro safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Kia Niro auto insurance rates. The Kia Niro’s safety features include:

  • Vehicle Stability Management (VSM)
  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Blind Spot Detection (BSD) Blind Spot
  • Forward Collision-Avoidance Assist (FCA)
  • Rear Cross-Traffic Alert (RCTA)
  • Lane Keeping Assist (LKA) Lane Keeping Assist
  • Lane Keeping Assist (LKA) Lane Departure Warning
  • Tire Specific Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver Knee Airbag
  • Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety Belts
  • Back-Up Camera

Kia Niro Finance and Insurance Cost

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

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Ways to Save on Kia Niro Insurance

You have more options at your disposal to save money on your Kia Niro auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Kia Niro car insurance rates

  • Choose a Kia Niro with Cheaper Repair Costs
  • Use a Service Like Turo to Rent Out Your Kia Niro
  • Remove Unnecessary Insurance Once Your Kia Niro is Paid Off
  • Renew Your Kia Niro Insurance Coverage to Avoid Lapses
  • Ask About Student Discounts

Top Kia Niro Insurance Companies

Who is the top car insurance company for Kia Niro insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia Niro auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Kia Niro offers.

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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Save on your Kia Niro car insurance rates by taking advantage of our FREE comparison tool.

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