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Are Kia Niros Expensive to Insure? [How to Find Cheap Rates]

Kia Niro insurance costs on average $110 per month ($1,316 per year). On average, comprehensive coverage costs $321, collision coverage costs $468, and liability coverage costs $371 for Kia Niro insurance. Good drivers can save up to $543 a year on these costs by earning discounts.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 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 are about $203 less annually than the average vehicle with full coverage costing around $1,316 a year or $110 a month. The highest rates are for teens who’ll pay around $4,810 a year or $401 a month.

Good drivers can save up to $543 a year in policy discounts for being a safe driver. Let’s take a closer look at Kia Niro insurance rates, crash test ratings, and more.

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 Lincoln MKT, Audi Q5, and Mazda CX-3.

Vehicle Comprehensive Collision Liability Total
Kia Niro $282 $478 $398 $1,316
Lincoln MKT $370 $626 $450 $1,626
Audi Q5 $362 $718 $372 $1,610
Mazda CX-3 $308 $500 $372 $1,338
Honda CR-V $280 $408 $316 $1,140
Ford EcoSport $280 $500 $372 $1,310
Kia Sportage $280 $470 $372 $1,280

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?

You might have noticed that there is a multitude of factors that impact Kia Niro car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Kia Niro.

Age of the Vehicle

Older Kia Niro models generally cost less to insure. For example, car insurance rates for a 2018 Kia Niro are $1,316, while 2017 Kia Niro rates 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 impact on the cost of Kia Niro auto insurance. For example, 20-year-old drivers pay approximately $1,609 each year for their Kia Niro auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Kia Niro insurance rates. For example, drivers in Los Angeles may pay $487 a year more than drivers in Philadelphia.

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 rates 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

Good Kia Niro safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Kia Niro are:

  • Available automated emergency braking
  • Available blind-spot monitoring
  • Available adaptive cruise control

Kia Niro Finance and Insurance Cost

If you are financing a Kia Niro, most lenders will require your carry higher Kia Niro coverage options including comprehensive coverage, so be sure to shop around and compare Kia Niro auto insurance rates from the best companies using our FREE tool below.

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Ways to Save on Kia Niro Insurance

Save more on your Kia Niro car insurance rates. Take a look at the following five strategies that will get you the best Kia Niro auto insurance rates possible.

  • Check the Odometer on Your Kia Niro
  • Understand the Different Types of Auto Insurance for Your Kia Niro
  • Get Kia Niro Auto Insurance Through Costco
  • Understand that Your Insurer Can Change Your Kia Niro Auto Insurance Rates Mid-Term for Other Reasons
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible

Top Kia Niro Insurance Companies

The best auto insurance companies for Kia Niro car insurance rates will offer competitive rates, discounts, and account for the Kia Niro’s safety features. The following list of car insurance companies outlines which companies hold the highest 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

To start comparing Kia Niro car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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