How to Find Cheap Kia Niro Insurance Quotes

Kia Niro insurance quotes average at $110 a month, but your driving record and the age of your Kia will impact the final cost of your Kia Niro insurance coverage. To save money on car insurance, you can compare Kia Niro insurance rates with our free tool below.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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. Continue reading to learn how you can save money 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 auto 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 Subaru Crosstrek, Lexus RX 450h, and Lincoln MKC.

Vehicle Comprehensive Collision Liability Total
Kia Niro $282 $478 $398 $1,316
Subaru Crosstrek $320 $512 $332 $1,300
Lexus RX 450h $390 $718 $420 $1,708
Lincoln MKC $306 $596 $398 $1,458
Toyota RAV4 $280 $482 $390 $1,310
Audi Q5 $362 $718 $372 $1,610
Kia Sportage $280 $470 $372 $1,280
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However, there are a few things you can do to find the cheapest Kia Niro 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
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Driver Age

Driver age can have a significant impact on the cost of Kia Niro auto insurance. For example, 20-year-old drivers pay as much as $1,667 more each year for their Kia Niro auto insurance than 40-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 $723 a year more than drivers in Phoenix.

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 influenced by 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
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Kia Niro Crash Test Ratings

If the Kia Niro crash test ratings are good, you could have lower Kia Niro insurance rates. See Kia Niro crash test results below:

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
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Kia Niro Safety Features

The more safety features you have on your Kia Niro, the more likely it is that you can earn a discount. 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, you will pay more if you purchase Kia Niro auto insurance at the dealership, 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

If you want to reduce the cost of your Kia Niro insurance rates, follow these tips below:

  • Compare Kia Niro Insurance Rates Online
  • Ask About Kia Niro Safety Discounts
  • Wait Six Years for Accidents to Disappear from Your Record
  • Consider Using a Tracking Device on Your Kia Niro
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible

Top Kia Niro Insurance Companies

Who is the best 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 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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Compare Free Kia Niro Insurance Quotes Online

To start comparing Kia Niro insurance rates for free, use our online auto insurance comparison tool.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

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