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Key takeaways:
Kia Niro insurance rates are $203 cheaper than the average vehicle. You can pay as low as $44 per month for liability-only coverage. However, a high-risk driver could pay around $400 per month for insurance. Continue reading to learn how much you can save on Kia Niro insurance rates.
You can start comparing quotes for Kia Niro insurance rates from some of the best auto insurance companies by using our free online tool now.
Table of Contents
The average Kia Niro insurance rates are $1,316 a year or $110 a month.
The chart below details how Kia Niro insurance rates compare to other crossovers like the Mazda CX-5, Audi SQ5, and Ford Escape.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Niro | $282 | $478 | $398 | $1,316 |
| Mazda CX-5 | $322 | $532 | $372 | $1,384 |
| Audi SQ5 | $394 | $774 | $264 | $1,542 |
| Ford Escape | $280 | $438 | $316 | $1,170 |
| Toyota C-HR | $254 | $452 | $258 | $1,074 |
| Mazda CX-3 | $308 | $500 | $372 | $1,338 |
| Hyundai Kona | $280 | $500 | $316 | $1,232 |
However, there are a few things you can do to find the cheapest Kia insurance rates online.
The Kia Niro trim and model you choose can impact the total price you will pay for Kia Niro auto insurance coverage.
The average Kia Niro insurance rates are higher for newer models. For example, auto insurance for a 2018 Kia Niro costs $1,316, while 2017 Kia Niro insurance costs are $1,312, a difference of $4.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 Kia Niro | $282 | $478 | $398 | $1,316 |
| 2017 Kia Niro | $272 | $466 | $416 | $1,312 |
Driver age can have a significant effect on Kia Niro insurance rates. For example, 20-year-old drivers pay $1,609 more for their Kia Niro auto insurance each year than 30-year-old drivers.
Where you live can have a large impact on Kia Niro insurance rates. For example, drivers in Los Angeles may pay $1,131 a year more than drivers in Indianapolis.
Your driving record can have an impact on the cost of Kia Niro auto insurance. Teens and drivers in their 20’s see the highest jump in their Kia Niro insurance rates with violations on their driving record.
Your Kia Niro auto insurance rates are tied to the Kia Niro’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Not Tested |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Not Tested |
| Side | Not Tested |
| Roof strength | Not Tested |
| Head restraints and seats | Not Tested |
| Source: Insurance Institute for Highway Safety | |
Not only do good Kia Niro crash test ratings mean you are better protected in a crash, but good Kia Niro crash ratings also mean cheaper insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Kia Niro Plug-in Hybrid SUV FWD | N/R | N/R | N/R | N/R |
| 2020 Kia Niro Hybrid SUV FWD | N/R | N/R | N/R | N/R |
| 2020 Kia Niro Electric SUV FWD | N/R | N/R | N/R | N/R |
| 2019 Kia Niro Plug-In Hybrid SUV FWD | N/R | N/R | N/R | N/R |
| 2019 Kia Niro Hybrid SUV FWD | 4 stars | 3 stars | 5 stars | 4 stars |
| 2019 Kia Niro Electric SUV FWD | N/R | N/R | N/R | N/R |
| 2018 Kia Niro Plug-In Hybrid SUV FWD | N/R | N/R | N/R | N/R |
| 2018 Kia Niro Hybrid SUV FWD | N/R | N/R | N/R | N/R |
| 2017 Kia Niro Hybrid SUV FWD | N/R | N/R | N/R | N/R |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Most drivers don’t realize that not only do Kia Niro safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Kia Niro auto insurance rates. The Kia Niro’s safety features include:
If you are financing a Kia Niro, most lenders will require your carry higher Kia Niro coverage options including comprehensive coverage, so be sure to shop around and compare Kia Niro insurance rates from the best companies using our FREE tool below.
You have more options at your disposal to save money on your Kia Niro auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Kia Niro insurance rates
The best auto insurance companies for Kia Niro insurance rates will offer competitive rates, discounts, and account for the Kia Niro’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
You can start comparing quotes for Kia Niro insurance rates from some of the best auto insurance companies by using our free online tool now.
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