KIA Niro Insurance Cost

Auto insurance for a KIA Niro will cost about $1,529 per year.

This beats the national average for popular SUV models by $538. 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.

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. Visit our Competitive Quote Tool to see if you can find lower rates for a Niro.

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

These KIA Niro insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

KIA Niro insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $5,181 $7,717 $9,122
18 $4,828 $7,191 $8,501
19 $4,267 $6,355 $7,512
20 $3,720 $5,541 $6,550
21 $3,120 $4,647 $5,493
22 $3,038 $4,526 $5,350
23 $2,659 $3,960 $4,681
24 $2,526 $3,762 $4,447
25 $2,180 $3,247 $3,838
30 $1,698 $2,529 $2,990
35 $1,590 $2,369 $2,800
40 $1,529 $2,278 $2,693
45 $1,488 $2,217 $2,620
55 $1,365 $2,033 $2,403
65 $1,424 $2,121 $2,507
75 $1,797 $2,677 $3,164

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 $1,621 $2,270 $2,841
Alaska $1,340 $1,952 $2,046
Arizona $1,515 $2,351 $3,352
Arkansas $1,661 $2,516 $2,815
California $1,850 $3,235 $1,850
Colorado $1,726 $2,390 $2,981
Connecticut $2,205 $3,410 $4,367
Delaware $1,826 $2,514 $3,337
Florida $2,174 $2,953 $3,850
Georgia $1,772 $2,732 $2,803
Hawaii $708 $977 $708
Idaho $1,230 $1,655 $2,061
Illinois $1,287 $1,903 $2,207
Indiana $1,323 $2,067 $2,412
Iowa $1,048 $1,571 $1,831
Kansas $1,394 $2,052 $2,431
Kentucky $2,015 $3,031 $3,564
Louisiana $2,587 $3,953 $4,256
Maine $978 $1,312 $1,914
Maryland $1,583 $2,321 $2,741
Massachusetts $1,269 $2,147 $1,269
Michigan $3,063 $4,605 $7,080
Minnesota $1,261 $1,694 $2,507
Mississippi $1,522 $2,299 $2,429
Missouri $1,434 $1,975 $2,555
Montana $1,458 $2,282 $2,516
Nebraska $1,233 $1,745 $1,985
Nevada $2,033 $3,069 $3,367
New Hampshire $1,414 $2,279 $2,903
New Jersey $1,558 $2,457 $3,169
New Mexico $1,591 $2,290 $2,571
New York $1,474 $1,919 $3,098
North Carolina $914 $1,475 $1,137
North Dakota $1,250 $1,925 $2,443
Ohio $1,115 $1,823 $1,889
Oklahoma $1,780 $2,673 $3,032
Oregon $1,620 $2,447 $2,807
Pennsylvania $1,365 $2,063 $2,368
Rhode Island $2,278 $3,496 $3,998
South Carolina $1,547 $2,239 $3,195
South Dakota $1,388 $1,910 $2,291
Tennessee $1,632 $2,442 $3,081
Texas $1,644 $2,420 $3,037
Utah $1,398 $2,022 $2,789
Vermont $1,077 $1,721 $1,882
Virginia $1,014 $1,527 $1,622
Washington $1,343 $2,017 $2,378
West Virginia $1,351 $1,967 $2,429
Wisconsin $1,347 $1,966 $2,388
Wyoming $1,257 $1,847 $2,065

Other Important Costs of Owning a KIA Niro

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on KIA Niro depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

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