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.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 25, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 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.

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto 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 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
Compare RatesStart Now →

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
Compare RatesStart Now →

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
Compare RatesStart Now →

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
Compare RatesStart Now →

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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 RatesStart Now →

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption