KIA Niro Insurance Rates

KIA Niro Insurance Rates

Auto insurance for a KIA Niro will cost about $1,906 per year.

This beats the national average for popular SUV models by $989. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a KIA Niro.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

KIA Niro insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Compare car insurance quotes in real-time and save.

Get a personalized quote in 5 minutes or less.

Compare quotes
Choose your policy
Get same-day coverage
Allstate Auto Insurance
Farmers Auto Insurance
Geico Auto Insurance
Clearcover Auto Insurance
Progessive Auto Insurance
Travelers Auto Insurance
+ more

KIA Niro Insurance Rates by Age*

Age Good Driver Recent Accident Poor Credit
17 $6,456 $9,479 $11,089
18 $6,016 $8,834 $10,335
19 $5,317 $7,807 $9,133
20 $4,636 $6,807 $7,964
21 $3,888 $5,709 $6,678
22 $3,786 $5,560 $6,504
23 $3,313 $4,865 $5,691
24 $3,147 $4,621 $5,406
25 $2,716 $3,988 $4,666
30 $2,116 $3,107 $3,635
35 $1,982 $2,910 $3,404
40 $1,906 $2,799 $3,274
45 $1,855 $2,723 $3,186
55 $1,701 $2,498 $2,922
65 $1,774 $2,605 $3,048
75 $2,239 $3,288 $3,847

KIA Niro car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect KIA Niro by state.


KIA Niro Insurance Rates by State*

State Good Driver Recent Accident Poor Credit
Alabama $2,019 $2,933 $3,733
Alaska $1,670 $2,315 $2,251
Arizona $1,888 $2,730 $4,022
Arkansas $2,070 $3,253 $3,581
California $2,305 $4,076 $2,305
Colorado $2,151 $3,010 $3,819
Connecticut $2,748 $4,262 $5,410
Delaware $2,275 $3,032 $3,894
Florida $2,709 $3,748 $4,884
Georgia $2,208 $3,302 $3,330
Hawaii $882 $1,198 $882
Idaho $1,533 $2,032 $2,470
Illinois $1,604 $2,425 $2,765
Indiana $1,648 $2,520 $2,827
Iowa $1,305 $1,790 $2,105
Kansas $1,737 $2,527 $2,956
Kentucky $2,511 $3,685 $4,352
Louisiana $3,223 $4,872 $5,282
Maine $1,219 $1,685 $2,487
Maryland $1,972 $2,870 $3,188
Massachusetts $1,582 $2,759 $1,582
Michigan $3,817 $5,816 $9,174
Minnesota $1,571 $2,095 $2,950
Mississippi $1,897 $2,705 $2,723
Missouri $1,787 $2,555 $3,356
Montana $1,817 $2,535 $2,951
Nebraska $1,536 $2,271 $2,468
Nevada $2,533 $3,758 $3,969
New Hampshire $1,762 $2,787 $3,523
New Jersey $1,942 $3,046 $3,986
New Mexico $1,983 $2,949 $3,062
New York $1,837 $2,313 $3,860
North Carolina $1,139 $1,956 $1,395
North Dakota $1,558 $2,368 $2,800
Ohio $1,389 $2,143 $2,197
Oklahoma $2,218 $3,176 $3,576
Oregon $2,019 $2,709 $3,235
Pennsylvania $1,700 $2,497 $2,921
Rhode Island $2,839 $4,164 $4,689
South Carolina $1,928 $2,672 $3,688
South Dakota $1,730 $2,492 $2,876
Tennessee $2,034 $2,995 $3,988
Texas $2,049 $2,960 $3,681
Utah $1,743 $2,442 $3,360
Vermont $1,341 $2,066 $2,184
Virginia $1,264 $1,940 $1,902
Washington $1,673 $2,271 $2,711
West Virginia $1,683 $2,410 $3,020
Wisconsin $1,678 $2,620 $2,988
Wyoming $1,567 $2,193 $2,335

KIA Niro Insurance Rankings


We've ranked over 200 models from best to worst for Insurance. See where the KIA Niro ranks for Insurance compared to other vehicles. Also check out how the Niro stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Other KIA Niro Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major KIA Niro costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses:

KIA Niros For Sale

2022 Kia Niro EX

Mileage: 36,315
Mileage: 36,315     Price: $20,490
Location: Sterling, VA ~ 4 miles away
Dealer: Easterns Automotive Group
Days on Market: 101
Colors (ext/int): Steel Gray / Charcoal

$20,490


2022 Kia Niro EX

Mileage: 31,621
Mileage: 31,621     Price: $20,950
Location: Sterling, VA ~ 4 miles away
Dealer: Easterns Automotive Group
Days on Market: 24
Colors (ext/int): Snow White Pearl(White) / Charcoal

$20,950


2022 Kia Niro EX

Mileage: 29,979
Mileage: 29,979     Price: $20,950
Location: Sterling, VA ~ 4 miles away
Dealer: Easterns Automotive Group
Days on Market: 64
Colors (ext/int): Snow White Pearl(White) / Charcoal

$20,950



CarEdge Insights
Unlock the secrets to smarter car buying.
Now includes dealer invoice pricing.
Get CarEdge's tool kit for expert negotiations and insider data so you can make your next car purchase with confidence and clarity.
Dealer Invoice Price
Total For Sale & Total Sold
Market Days Supply
And more!
Unlock the secrets to smarter car buying.
Now includes dealer invoice pricing.
Get CarEdge's tool kit for expert negotiations and insider data so you can make your next car purchase with confidence and clarity.
Dealer Invoice Price
Market Days Supply
Total For Sale & Total Sold
And more!

Related Articles

GAP Insurance Explained: Not Every Car Buyer Needs It

Car Insurance Rates Soared 24%

Car Ownership Costs Beyond the Price Tag: What to Expect

Other KIA Models