Buy Cheap Kia Niro Auto Insurance in 2024
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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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Jun 13, 2023
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto 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 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.
UPDATED: Jun 13, 2023
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto 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 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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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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Frequently Asked Questions
Can I buy cheap auto insurance for a Kia Niro in 2023?
Yes, it is possible to find affordable auto insurance for a Kia Niro in 2023. By comparing quotes from different insurance providers, considering factors such as your driving record, location, coverage options, and deductibles, you can find competitive rates.
What are the pros of buying cheap auto insurance for a Kia Niro in 2023?
- Cost savings: Cheap auto insurance can help you save money on your premiums, leaving you with more funds for other expenses.
- Accessibility: Affordable insurance options make it easier for more people to obtain coverage and meet legal requirements.
- Adequate coverage: Despite being affordable, many insurance policies offer sufficient coverage for liability, property damage, and personal injury protection.
What are the cons of buying cheap auto insurance for a Kia Niro in 2023?
- Limited coverage options: Some cheap insurance policies may offer limited coverage options, which could leave you vulnerable in case of accidents or damages.
- Higher deductibles: Lower-cost insurance policies often come with higher deductibles, meaning you’ll have to pay more out of pocket before the insurance coverage kicks in.
- Potential for inadequate customer service: Cheap insurance providers may not offer the same level of customer service and support as more established and reputable companies.
How can I find cheap auto insurance for a Kia Niro in 2023?
Here are some tips to find affordable auto insurance for your Kia Niro:
- Compare quotes from multiple insurance providers to get a range of options.
- Consider increasing your deductibles, but make sure they are still affordable for you.
- Look for discounts such as multi-policy, safe driver, or good student discounts.
- Maintain a clean driving record to qualify for lower rates.
- Check if there are any local or regional insurance companies that specialize in offering competitive rates for Kia Niro drivers.
Are there any specific factors that affect the cost of auto insurance for a Kia Niro in 2023?
Yes, several factors can influence the cost of auto insurance for a Kia Niro in 2023. These may include:
- Your driving record: A clean driving record with no accidents or traffic violations can help lower your premiums.
- Location: Insurance rates can vary based on where you live due to factors like crime rates and traffic congestion.
- Coverage options: The type and amount of coverage you choose will impact your insurance costs.
- Deductibles: Higher deductibles often result in lower premiums, but you need to consider your financial ability to pay the deductible if needed.
- Vehicle features: Safety features, anti-theft devices, and other vehicle characteristics can affect insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
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.