Kia Niro Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs more to insure a Kia Niro than the average SUV.

• Liability car insurance for a Niro runs about $66 a month, while full coverage typically comes in at around $160 monthly.

• The most affordable insurance company for a Niro is Commonwealth Casualty, who offers liability only coverage for as little as $34 per month, on average.

Niro Overview

With base prices starting at just $24,690 for new 2021 models, the Kia Niro is a great car for drivers on a budget. There are five different trim levels currently available, so there's a style for every driver.

We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've found that Kia Niro insurance premiums run about $145 a month, on average. But how does that fare against its competitors?

How Much is Car Insurance for a Kia Niro?

Looking at the table above, you can see that when you compare the Kia Niro to other vehicles, insurance rates are right around average. On average, Niro owners will pay about $66 monthly for liability insurance, and around $160 per month for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Compared to other Kia models, the Niro is slightly less expensive, with prices about 6% lower than the rest of the company's vehicle offerings. However, compared to other vehicles of a similar body style, Niro coverage runs close to average, with full coverage insurance premiums coming in at $8 higher than other SUVs and liability insurance rates at $15 cheaper.

The Kia Niro also has average prices when comparing it to vehicles of any body type, no matter what make, model, or body style they are.

Who has the Cheapest Car Insurance for a Kia Niro?

If you're searching for a car insurance policy for a Kia Niro, you're probably most interested in which carrier offers the most affordable prices. While there will never be one company that offers the cheapest premiums for everyone, Safeco has the lowest average rates for liability only coverage, with rates sometimes as little as $32 a month. The next cheapest carrier is Commonwealth Casualty, who offers auto insurance as cheap as $34 monthly.

The third, fourth, and fifth carriers on the list are Mile Auto, Aspire, and MetLife. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance carriers take a wide array of different factors into consideration when offering you premiums. There's only one way to make sure you find the lowest possible rates, and that's by pulling quotes from lots of car insurance companies.

What Factors Affect Car Insurance Rates for a Kia Niro?

There are several attributes that insurance carriers consider to calculate how much they charge you for a policy -- and each company uses a different algorithm, so there's not a single carrier that's the most affordable for every driver.

The following sections show a bunch of variables car insurance companies use to decide rates:

Vehicle Age

The Kia Niro has been around for a few years, so vehicle age will likely make a difference in what you end up paying for auto insurance. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Niros begin to depreciate, insurance costs will gradually go down.

Based on the information in the above table, the Kia Niro follows this trend, as the most expensive models to insure are those that are 2 to 3 years old, while the cheapest models are Niros that are 4 to 5 years old, on average.

Your Age

Your age is another factor that plays a big role in how much car insurance carriers will charge for insurance. Based on the information in the table above, younger drivers pay more compared to drivers who have more experience. In this case, drivers 18 to 24 pay $51 more than those 25 or older.

Auto insurance prices continue to get lower as you get older, with the cheapest age group for Niro drivers being 55-64.

Your Gender

Did you know men tend to pay more for auto insurance than women? This is because men are more likely to get speeding tickets and get into collisions, which raises the chances of an insurance claim. For Niro drivers, that difference is around $14 per month, with men paying an average of $61 and women looking at around $75.

Where You Live

It may seem like common sense that things like how old you are and what vehicle you drive play a role in your insurance prices, but you may not realize that where you live is equally important. Insurance is regulated on a state-by-state basis, so rates vary quite a bit from state to state.

For example, the average Kia Niro driver in New York pays about $439 monthly for liability coverage, while on average, the same owner in California will pay only a fifth of that price.

Kia Niro Car Insurance Discounts

Regardless of your car, your home state, or your age, it's always a smart move to take advantage of as many car insurance discounts as possible when shopping around for a new policy.

Even though all auto insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Pay-in-full discounts for drivers who choose to pay their entire policy premium up front, rather than by monthly payments

There are countless ways to save money on your car insurance if you know where to look. Sometimes the best way to save is just by having a profile that looks good to auto insurance companies.

Although you may not be able to control every variable insurance carriers take into account to calculate premiums (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've almost certainly noticed ads from car insurance companies posting big savings for responsible drivers. And you probably wouldn't be surprised that your auto insurance prices will go up if you get into an accident or get a ticket for speeding. But exactly how much can it cost you for these infractions?

As you can see, accidents will usually cost Niro drivers less than tickets, but both will result in higher than average rates. Kia Niro drivers with a single accident on their record pay about $77 each month (up $11 from the $66/mo. overall average), while drivers with one ticket will pay an average of $83 a month. Those with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another factor that affects your insurance rates is how much you drive annually. Drivers who are on the roads less often are more likely to go accident-free, so they'll normally end up paying less for car insurance. Above, you can see that Kia Niro owners who drive fewer than 2,500 miles per year pay about $40 per month for auto insurance, while those who put 10,000 miles or more on their cars pay $60.

If you drive less often than the average driver or work from home, it may be worth learning about usage-based or pay-per-mile insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Kia Niros Compare to Other Vehicles?

If you're thinking about purchasing a new SUV and a Kia Niro is on your shortlist, it might be helpful to do your research. Car insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering.

Check out the table below to see how the Kia Niro stacks up:

With an MSRP that's a third less than the going rate for a new vehicle, the Kia Niro is a fantastic value when it comes to price. The Niro has an MSRP of $24,690, which is quite a bit lower than the national average vehicle MSRP of $46,179.

Similarly, car insurance prices are slightly cheaper when compared to the rest of the vehicle market. Liability insurance for a Kia Niro is around $37 per month less than average, while full coverage is $2 less monthly.

However, it is worth noting that the Niro drivers tend to use their cars less than the average American driver, with only 10,316 annual miles for the average owner.

Kia Niro Car Insurance Costs by Model Year

We've gone over many of the factors that can affect how much you might pay for auto insurance. But if you're considering purchasing a new Niro, knowing what you can expect to pay can be extremely valuable as you weigh your choices.

So we've broken down Kia Niro insurance rates by model year. Simply choose a specific Niro model year in the dropdown below and see average rates for both liability only and full coverage, as well as some other helpful info, such as available trims, the cheapest insurance carrier, and base price for each Niro model year.

2021 Kia Niro Car Insurance

If you're looking for a brand new Kia Niro, you've got plenty of options. With a base price of $24,690, the 2021 Niro is offered in five different trim levels, which means you'll have your pick of the best styles.

When it comes to car insurance, it costs about $44 a month, on average, to insure a 2021 Kia Niro for liability only and $167 monthly for full coverage. And if you want the cheapest insurance possible, Aspire offers liability only policies for as low as just $33 a month.

Even though it's great to know the average price drivers pay for insurance, the only way to find out exactly what you'll pay is to get a personalized quote. Luckily, with Compare.com you can compare quotes from multiple carriers at once, all for free. Simply enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

2020 Kia Niro Car Insurance

If you're looking to buy a 2020 Niro or already own one, you can expect an average auto insurance rate of around $66 for liability or $155 for full coverage.

And if you're just looking for the lowest insurance for your Niro, Hugo offers liability only policies for as little as just $24 per month.

Want something more accurate than nationwide averages? Get lots of personalized quotes for free by just entering your ZIP code below.

2019 Kia Niro Car Insurance

You can expect full coverage for a 2019 Kia Niro to run about $154 monthly, while liability only coverage will average around $69 per month.

With premiums sometimes as low as $23 a month, DirectGeneral offered the most affordable policy we found.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

2018 Kia Niro Car Insurance

It costs about $65 per month for liability or $152 for a full coverage policy for the 2018 Niro.

With prices as low as $28 monthly, Liberty Mutual offered the cheapest policy we found for the 2018 Kia Niro.

If you want to know exactly how much you can expect to pay for your Niro, just enter your ZIP code below and get several free quotes in minutes.

2017 Kia Niro Car Insurance

2017 Kia Niro drivers can expect to pay an average of $70 a month for liability or $168 for full coverage.

Looking for the lowest policy? Dairyland offered liability only coverage for sometimes as cheap as $24 monthly.

If you're looking for a more exact figure on what you should pay for car insurance for a 2017 Kia Niro, you can get free quotes in minutes by just entering your ZIP code below.

Kia Niro Insurance FAQs

Is a Kia Niro expensive to insure?

The Kia Niro is more expensive to insure compared to the average vehicle. Liability insurance runs an average of $66 per month, while full coverage will cost you around $160.

How can I get the best price on car insurance for my Kia Niro?

The only way to confirm you're getting the most affordable price on insurance is to check prices regularly and compare quotes from numerous companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a lot of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Kia Niro affect my insurance rates?

You may have heard that it is more expensive to insure red cars that silver or white vehicles, but that's simply not true. There are many variables auto insurance companies think about when they decide how much your policy will be, but the color of your Niro is not used to make that determination.

Do I need to have insurance before I buy a Kia Niro?

Before you can legally drive your new (or new to you) Kia Niro off the dealership lot, you'll need to have a car insurance policy in place. Some dealerships might offer you an auto insurance policy as part of the car-buying process, but your best bet is letting your car insurance company know before you buy.

What car insurance discounts can I get for my Kia Niro?

There are a variety of discounts out there for insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your Niro has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to be certain is to contact your insurance carrier and ask about which discounts they offer, since they fluctuate quite a bit from carrier to carrier.