Kia Niro Insurance Rates

Estimated insurance rates for a Kia Niro are $1,248 a year for full coverage insurance. Comprehensive insurance costs an estimated $238 each year, collision insurance costs $400, and liability is $452. A policy with only liability insurance costs around $504 a year, and a high-risk policy costs $2,698 or more. 16-year-old drivers pay the most at up to $4,804 a year.

Average premium for full coverage: $1,248

Premium estimates broken down by type of coverage:

Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Niro models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities. The graphic below illustrates the effect of geographic area on insurance prices.

These rate differences illustrate why all drivers should compare rates quotes for a targeted area, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below illustrates average Kia Niro insurance rates for other coverage scenarios.

• The best full coverage rate is $731
• Raising to $1,000 deductibles will save approximately $144 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,248
• Buying low deductibles will cost an additional $280 annually
• Drivers with multiple tickets or accidents could pay up to $2,698
• An auto insurance policy that insures a 16-year-old driver can cost as much as $4,804

View Chart as Image

Car insurance prices for a Kia Niro also have a wide range based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 134% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $4,800 a year. View Rates by Age

Where you choose to live also has a big influence on Kia Niro insurance prices. A middle-age driver might find prices as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,690 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $430 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Kia Niro Insurance

Finding better rates on insurance for a Kia Niro consists of having a good driving record, having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Comparison shop at every policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The next list is a brief recap of the data covered in the above illustrations.

• Insureds who want increased levels of liability coverage will pay around $500 annually to raise from 30/60 bodily injury limits to the 250/500 level
• It is possible to save approximately $150 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $425 each year
• Drivers age 20 and younger have the highest car insurance prices, with premiums being up to $400 per month if full coverage is purchased