Are Kia Niros Expensive to Insure? [How to Find Low Rates Online]
Kia Niro insurance rates cost $110 per month ($1,316 per year). Good drivers can save as much as $2,030 a year over high-risk drivers.
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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: Jun 25, 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 $203 cheaper than the average vehicle. You can pay as low as $44 per month for liability-only coverage. However, a high-risk driver could pay around $400 per month for insurance. Continue reading to learn how much you can save on Kia Niro insurance rates.
You can start comparing quotes for Kia Niro insurance rates from some of the best auto insurance companies by using our free online tool now.
Kia Niro Insurance Cost
The average Kia Niro 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 Mazda CX-5, Audi SQ5, and Ford Escape.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Niro | $282 | $478 | $398 | $1,316 |
| Mazda CX-5 | $322 | $532 | $372 | $1,384 |
| Audi SQ5 | $394 | $774 | $264 | $1,542 |
| Ford Escape | $280 | $438 | $316 | $1,170 |
| Toyota C-HR | $254 | $452 | $258 | $1,074 |
| Mazda CX-3 | $308 | $500 | $372 | $1,338 |
| Hyundai Kona | $280 | $500 | $316 | $1,232 |
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 auto insurance coverage.
Age of the Vehicle
The average Kia Niro insurance rates are higher for newer models. For example, auto 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 Kia Niro insurance rates. For example, 20-year-old drivers pay $1,609 more for their Kia Niro auto insurance each year 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 $1,131 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on the cost of Kia Niro auto insurance. Teens and drivers in their 20’s see the highest jump in their Kia Niro insurance rates with violations on their driving record.
Kia Niro Safety Ratings
Your Kia Niro auto insurance rates are tied to the Kia Niro’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Not Tested |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Not Tested |
| Side | Not Tested |
| Roof strength | Not Tested |
| Head restraints and seats | Not Tested |
| Source: Insurance Institute for Highway Safety | |
Kia Niro Crash Test Ratings
Not only do good Kia Niro crash test ratings mean you are better protected in a crash, but good Kia Niro crash ratings also mean cheaper 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
Most drivers don’t realize that not only do Kia Niro safety features play a vital role in keeping passengers safe in crashes, but they can also help lower 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) and 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 -inc: Rear Center 3 Point, Height Adjusters and Pretensioners
- Back-Up Camera
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 insurance rates from the best companies using our FREE tool below.
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5 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 insurance rates
- Move to an Area with a Lower Cost of Living
- Check Your Kia Niro Policy Carefully to Ensure All Information is Correct
- Re-Check Kia Niro Quotes Every 6 Months
- Check for Organization-Based Discounts, like Alumni or Employer Discounts
- Use Paperless Billing for Your Kia Niro Insurance Policy
Top Kia Niro Insurance Companies
The best auto insurance companies for Kia Niro insurance rates will offer competitive rates, discounts, and account for the Kia Niro’s safety features. The following list of auto 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
You can start comparing quotes for Kia Niro insurance rates from some of the best auto insurance companies by using our free online tool now.