KIA Niro Car Insurance Cost
Getting insurance for a KIA Niro usually costs around $1,479 per year with USAA. However, the actual price can vary based on factors such as your age, the car’s model year, and other relevant considerations. You can check our quote tables below to get an idea of how much it might cost for you.
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. 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 KIA Niro Car Insurance Cost?
Usually, USAA offers the best rate, averaging around $1,479 annually for comprehensive insurance coverage on a 2024 KIA Niro.
While USAA’s rate provides a good starting point, it’s crucial to understand that car insurance expenses can vary significantly due to several factors. These factors include where you live, your driving history, the age of your vehicle, and the level of coverage you choose. Having a clean driving record might lead to lower premiums, but a history of accidents or traffic violations could raise your costs.
Moreover, residing in urban areas with heavy traffic could result in higher rates compared to rural areas with less congestion. Your choice of coverage also impacts your premium; comprehensive coverage, which includes both comprehensive and collision coverage, typically costs more than basic liability coverage.
Insuranceopedia can help you compare quotes from different insurance providers to ensure you get the most suitable coverage for your requirements at the best price.
2024 KIA Niro Insurance Rates
| 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
| 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
| 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
| 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
| 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 |
2019 KIA Niro Insurance Rates
| 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
| 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
| 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
| 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 |
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Cost of KIA Niro Car Insurance By Age
| 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
| 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 |
Compare KIA Niro To Other KIA Models
Looking for other KIA model insurance costs?
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Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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