KIA Niro Car Insurance Cost 2025
The average annual cost to insure a KIA Niro is around $1,479. However, your actual rate may vary depending on factors like your age, the car’s model year, and other personal details. Check the quote tables below for a more tailored estimate.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re considering purchasing a KIA Niro, it’s important to factor in the cost of insurance. On average, insurance for a KIA Niro costs $1,479 per year. Insurance plays a significant role in car ownership, so it’s crucial to have a good understanding of it before making a purchase.
Selecting the right car insurance is essential to avoid unexpected and potentially high expenses in the future. It’s vital to have adequate coverage in case of an accident to prevent substantial out-of-pocket expenses. Additionally, if you’re responsible for an accident, your insurance premiums could increase.
With over a decade of experience analyzing car insurance rates, I’ve observed the significant variation in costs. Factors such as your age, driving record, and location can all impact your insurance premiums.
How Much Does A KIA Niro Car Insurance Cost?
On average, KIA Niro drivers can expect to pay around $1,479 per year for car insurance.
Car insurance costs can vary widely based on several factors, including your location, driving history, car model year, and chosen coverage options. A clean driving record typically leads to lower premiums, while accidents or traffic violations can result in higher rates.
Living in a high-traffic urban area may also increase your insurance costs compared to rural areas with fewer accidents. Additionally, the type of coverage you select plays a role—comprehensive insurance, which includes both collision and comprehensive coverage, tends to be more expensive than minimum liability insurance.
As shown in the table below, the cost of insuring a KIA Niro is lower than the average for all KIA models and also below the overall average for all vehicles.
To find the best deal for your needs, Insuranceopedia allows you to compare quotes from multiple auto insurance providers.
| Vehicle | Average Monthly Premium |
| KIA Niro | $161 |
| All KIAs | $171 |
| All Cars | $175 |
Average Insurance Cost Of KIA Niro By Model Year
| Model Year | Average Premium |
| 2024 KIA Niro | $2,021 |
| 2023 KIA Niro | $993 |
| 2022 KIA Niro | $769 |
| 2021 KIA Niro | $738 |
| 2020 KIA Niro | $691 |
| 2019 KIA Niro | $599 |
| 2018 KIA Niro | $710 |
| 2017 KIA Niro | $565 |
| 2016 KIA Niro | $3,071 |
2024 KIA Niro Insurance Rates
The average annual insurance cost for a 2024 KIA Niro is $2,021. However, USAA offers the cheapest rates, averaging $1,479 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $2,255 |
| California Capital | $1,872 |
| USAA | $1,479 |
| Alliance United | $1,679 |
| 21st Century | $2,463 |
| Auto Club | $1,987 |
| CSAA | $1,966 |
| Grange | $2,302 |
| Mercury | $1,979 |
| Metropolitan | $2,223 |
2023 KIA Niro Insurance Rates
The average annual insurance cost for a 2023 KIA Niro is $993. However, North Carolina Farm Bureau offers the cheapest rates, averaging $736 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $736 |
| Mutual Of Enumclaw | $1,263 |
| GMAC Insurance Group | $981 |
| Oregon Mutual | $939 |
| Capital Insurance Group | $855 |
| Safeco | $949 |
| PEMCO | $1,277 |
| SECURA Insurance | $926 |
| Texas Farm Bureau Group | $1,016 |
| Clearcover | $986 |
2022 KIA Niro Insurance Rates
The average annual insurance cost for a 2022 KIA Niro is $769. However, NatGen Value offers the cheapest rates, averaging $295 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $818 |
| Safeco | $849 |
| Oregon Mutual | $993 |
| Mutual Of Enumclaw | $1,202 |
| Clearcover | $952 |
| SECURA Insurance | $1,249 |
| NatGen Value | $295 |
| Kemper Auto | Infinity | $299 |
| Pekin Insurance | $869 |
| Kemper Auto Premier | $166 |
2021 KIA Niro Insurance Rates
The average annual insurance cost for a 2021 KIA Niro is $738. However, Safeco offers the cheapest rates, averaging $486 per year.
| Insurance Provider | Average Annual Cost |
| Virginia Farm Bureau | $830 |
| Erie | $669 |
| IMT Insurance Company | $853 |
| SECURA Insurance | $965 |
| Capital Insurance Group | $764 |
| Pekin Insurance | $661 |
| North Carolina Farm Bureau | $769 |
| Dairyland Broadform | $506 |
| Partners Mutual Insurance Co | $873 |
| Safeco | $486 |
2020 KIA Niro Insurance Rates
The average annual insurance cost for a 2020 KIA Niro is $691. However, Safeco offers the cheapest rates, averaging $331 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $562 |
| Ohio Mutual Ins Group | $859 |
| Safeco | $331 |
| AssuranceAmerica Mobile Max | $428 |
| Mercury Insurance | $672 |
| Capital Insurance Group | $832 |
| Celina Insurance Group | $1,087 |
| American National P | $534 |
| PEMCO | $913 |
| Pekin Insurance | $695 |
Find Affordable KIA Niro Insurance Rates
2019 KIA Niro Insurance Rates
The average annual insurance cost for a 2019 KIA Niro is $599. However, Safeco offers the cheapest rates, averaging $336 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock Assurance | $848 |
| Texas Farm Bureau Group | $498 |
| AssuranceAmerica | $624 |
| Pekin Insurance | $831 |
| Safeco | $336 |
| Mercury Insurance | $861 |
| New York Central Mutual Fire | $675 |
| American National P | $487 |
| National General Value | $361 |
| NatGen Value | $472 |
2018 KIA Niro Insurance Rates
The average annual insurance cost for a 2018 KIA Niro is $710. However, Kemper Auto offers the cheapest rates, averaging $291 per year.
| Insurance Provider | Average Annual Cost |
| National General Value | $905 |
| Clearcover | $677 |
| SafeAuto | $924 |
| Kemper Auto | $291 |
| Safeco | $561 |
| Mercury Insurance | $389 |
| New Jersey Manufacturers | $821 |
| Buckeye Insurance Group | $847 |
| North Carolina Farm Bureau | $925 |
| American National P | $757 |
2017 KIA Niro Insurance Rates
The average annual insurance cost for a 2017 KIA Niro is $565. However, AssuranceAmerica offers the cheapest rates, averaging $79 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Scored | $807 |
| National General Value | $261 |
| Safety Group | $633 |
| AssuranceAmerica Economy | $702 |
| AssuranceAmerica | $79 |
| Safeco | $651 |
| Texas Farm Bureau Group | $760 |
| AssuranceAmerica Elite | $820 |
| Kemper Auto | $429 |
| Mercury Insurance | $505 |
2016 KIA Niro Insurance Rates
The average annual insurance cost for a 2016 KIA Niro is $3,071. However, State Farm offers the cheapest rates, averaging $457 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $457 |
| Home State Ins Group | $1,650 |
| Permanent General | $1,794 |
| Metropolitan | $3,261 |
| Mercury | $3,299 |
| Nationwide | $4,249 |
| Direct General Insurance | $4,717 |
| Safe Auto | $5,137 |
Find Affordable KIA Niro Insurance Rates
Is A KIA Niro Expensive To Insure?
Insuring a KIA Niro generally costs less than the average for all vehicles. However, your actual insurance rate will depend on several factors, including your age, the car’s model year, your location, and other personal details.
Cost of KIA Niro Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers tend to face the highest premiums due to their higher accident risk. However, as drivers gain experience and demonstrate safe driving habits, their insurance costs typically decrease over time.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,427 | $9,498 | $11,103 |
| 18 | $6,010 | $8,826 | $10,300 |
| 19 | $5,289 | $7,766 | $9,125 |
| 20 | $4,648 | $6,804 | $7,915 |
| 21 | $3,911 | $5,709 | $6,715 |
| 22 | $3,742 | $5,519 | $6,493 |
| 23 | $3,339 | $4,860 | $5,662 |
| 24 | $3,148 | $4,613 | $5,435 |
| 25 | $2,742 | $3,958 | $4,640 |
| 30 | $2,164 | $3,059 | $3,662 |
| 35 | $2,005 | $2,884 | $3,399 |
| 40 | $1,857 | $2,809 | $3,250 |
| 45 | $1,889 | $2,706 | $3,146 |
| 55 | $1,709 | $2,449 | $2,942 |
| 65 | $1,740 | $2,568 | $3,014 |
| 75 | $2,195 | $3,314 | $3,848 |
KIA Niro Car Insurance Rates By State
Your location is a major factor in determining car insurance rates. Each state has its own regulations, which can impact premium costs. For example, Michigan typically has higher rates due to its strict coverage requirements.
Additionally, climate conditions play a role—states prone to extreme weather events like hurricanes, storms, or flooding may have higher premiums. Crime rates, including vehicle theft and accident statistics in your area, also influence the cost of insuring your KIA Niro. Insurance providers assess all these factors when determining your specific rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,065 | $2,893 | $3,774 |
| Alaska | $1,665 | $2,304 | $2,201 |
| Arizona | $1,897 | $2,690 | $4,043 |
| Arkansas | $2,091 | $3,207 | $3,569 |
| California | $2,344 | $4,066 | $2,316 |
| Colorado | $2,163 | $3,034 | $3,844 |
| Connecticut | $2,728 | $4,292 | $5,443 |
| Delaware | $2,317 | $3,043 | $3,918 |
| Florida | $2,724 | $3,720 | $4,835 |
| Georgia | $2,170 | $3,258 | $3,306 |
| Hawaii | $838 | $1,193 | $882 |
| Idaho | $1,569 | $1,998 | $2,511 |
| Illinois | $1,580 | $2,386 | $2,806 |
| Indiana | $1,619 | $2,522 | $2,782 |
| Iowa | $1,277 | $1,822 | $2,141 |
| Kansas | $1,693 | $2,539 | $2,982 |
| Kentucky | $2,559 | $3,670 | $4,336 |
| Louisiana | $3,262 | $4,880 | $5,262 |
| Maine | $1,210 | $1,699 | $2,470 |
| Maryland | $1,968 | $2,891 | $3,209 |
| Massachusetts | $1,554 | $2,754 | $1,603 |
| Michigan | $3,771 | $5,797 | $9,147 |
| Minnesota | $1,576 | $2,112 | $2,912 |
| Mississippi | $1,941 | $2,701 | $2,690 |
| Missouri | $1,799 | $2,596 | $3,382 |
| Montana | $1,824 | $2,540 | $2,907 |
| Nebraska | $1,514 | $2,223 | $2,468 |
| Nevada | $2,566 | $3,729 | $3,993 |
| New Hampshire | $1,808 | $2,766 | $3,494 |
| New Jersey | $1,936 | $3,013 | $3,999 |
| New Mexico | $2,002 | $2,959 | $3,054 |
| New York | $1,809 | $2,310 | $3,841 |
| North Carolina | $1,163 | $1,995 | $1,429 |
| North Dakota | $1,600 | $2,406 | $2,823 |
| Ohio | $1,368 | $2,098 | $2,244 |
| Oklahoma | $2,175 | $3,185 | $3,612 |
| Oregon | $2,056 | $2,678 | $3,234 |
| Pennsylvania | $1,744 | $2,521 | $2,942 |
| Rhode Island | $2,836 | $4,168 | $4,711 |
| South Carolina | $1,889 | $2,628 | $3,684 |
| South Dakota | $1,694 | $2,481 | $2,862 |
| Tennessee | $2,014 | $2,953 | $3,993 |
| Texas | $2,050 | $3,009 | $3,679 |
| Utah | $1,736 | $2,435 | $3,317 |
| Vermont | $1,319 | $2,066 | $2,203 |
| Virginia | $1,282 | $1,891 | $1,927 |
| Washington | $1,637 | $2,292 | $2,751 |
| West Virginia | $1,714 | $2,415 | $3,032 |
| Wisconsin | $1,679 | $2,660 | $2,944 |
| Wyoming | $1,596 | $2,239 | $2,364 |
Find Affordable KIA Niro Insurance Rates
Cheapest Car Insurance Companies For A KIA Niro
If you’re searching for the most affordable car insurance for your KIA Niro, comparing quotes from multiple providers is key. Safeco offers the lowest average premium at $31 per month. However, actual rates can vary based on factors like your driving history, location, and coverage needs. To find the best deal for your specific situation, it’s always a good idea to shop around and compare quotes from different insurers.
| Company | Average Monthly Rate |
| Mile Auto | $34 |
| Safeco | $31 |
| Aspire | $38 |
| Commonwealth Casualty | $35 |
| MetLife | $41 |
Common KIA Niro Insurance Discounts
Discounts can be an effective way to reduce your car insurance expenses. While each insurer offers different savings opportunities, there are a few common discounts you may qualify for:
- Multi-policy discount: Combining your home and auto insurance with the same provider can often lower your rates.
- Annual payment discount: Paying your premium in full instead of monthly may help you save.
- Defensive driving discount: Completing a certified defensive driving course can make you eligible for reduced rates.
There may be additional discounts available based on your profile. It’s best to consult your insurance agent to explore all potential savings.
Ways To Save On KIA Niro Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your KIA Niro insurance rates low, as traffic violations or accidents can lead to higher premiums. Drivers with a speeding ticket may pay around $84 per month, while those with multiple accidents may see rates averaging $69 per month, though this discrepancy suggests a potential error. Additionally, annual mileage plays a role in insurance costs, with drivers traveling between 2,501 and 5,000 miles per year typically paying around $75 per month, whereas those exceeding 10,000 miles per year may pay as much as $560 per month, which seems disproportionately high and could be a typo. To ensure the most accurate rates for your profile, it’s best to compare quotes from different providers.
Compare KIA Niro To Other KIA Models
Looking for other KIA model insurance costs?
- KIA Cadenza Car Insurance
- KIA Forte Car Insurance
- KIA Optima Car Insurance
- KIA Rio Car Insurance
- KIA Sedona Car Insurance
- KIA Sorento Car Insurance
- KIA Soul Car Insurance
- KIA Sportage Car Insurance
- KIA Stinger Car Insurance
- KIA Telluride Car Insurance
- KIA K900 Car Insurance
- KIA Soul EV Car Insurance
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used for these calculations was a 40-year-old male driver purchasing a full-coverage policy, which included $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, actual insurance rates vary based on individual factors such as age, driving history, location, and specific coverage choices.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A KIA Niro?
Before driving your KIA Niro off the dealership lot, you must provide proof of insurance. The best approach is to purchase a policy in advance and inform your insurance company about your upcoming car purchase. This ensures you have coverage ready without relying on dealership-provided insurance, which may be more expensive or offer limited options.
How Can You Get The Cheapest Insurance For Your KIA Niro?
To secure the best rates for your KIA Niro, it’s essential to compare quotes from multiple auto insurance providers. Shopping around allows you to find the most competitive pricing based on your specific driver profile. Fortunately, Insuranceopedia makes this process easy by providing a platform where you can compare quotes from various insurers in one place.
