Best Kia Niro Car Insurance Quotes (2023)
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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Written by
D. Gilson, PhD |
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Reviewed by
Leslie Kasperowicz
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UPDATED: Jul 24, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jul 24, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
|
Written by
D. Gilson, PhD |
|
Reviewed by
Leslie Kasperowicz
|