Kia Niro Car Insurance Calculator

See in real-time how changes to risk factors and vehicle options impact the cost of car insurance for a Kia Niro. Change policy coverages, liability limits, deductibles, and driver's age plus many other factors. Instantly see the change in rates and learn exactly why they changed.

The average estimated car insurance premium for a 2024 Kia Niro is $2,014 per year, or about $168 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,014

Cost Per Month

$168

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Kia Niro Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Kia Niro.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,014
Average Rate
Your Rate
$2,014

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Kia Niro.

The 'Average Rate' is a combined value for all Kia Niro trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 Kia Niro is $2,014.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 Kia Niro vs. the Small SUV Segment

The table below compares insurance rates for the 2024 Kia Niro against all other models in the small SUV segment. The Kia Niro is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Kia Niro, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Kia Niro.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 Kia Niro Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Crosstrek$1,730-$284
2Chevrolet Trailblazer$1,760-$254
3Kia Soul$1,826-$188
4Nissan Kicks$1,844-$170
5Buick Envision$1,878-$136
6Toyota Corolla Cross$1,888-$126
7Hyundai Venue$1,902-$112
8Mazda CX-5$1,910-$104
9Ford Bronco Sport$1,918-$96
10Volkswagen Tiguan$1,938-$76
11Buick Encore$1,988-$26
12Honda CR-V$1,996-$18
13Volkswagen Taos$2,008-$6
14Kia Niro$2,014--
15Honda HR-V$2,040$26
16Subaru Forester$2,084$70
17Kia Seltos$2,094$80
18GMC Terrain$2,096$82
19Nissan Rogue$2,106$92
20Hyundai Kona$2,110$96
21Mazda CX-30$2,114$100
22Volkswagen ID4$2,124$110
23Ford Escape$2,138$124
2024 Small SUV Average$2,154$140
24Chevrolet Equinox$2,158$144
25Toyota RAV4$2,162$148
26Mazda MX-30$2,172$158
27Hyundai Tucson$2,176$162
28Chevrolet Trax$2,210$196
29Mini Cooper Clubman$2,220$206
30Mini Cooper$2,226$212
31Mitsubishi Eclipse Cross$2,246$232
32Jeep Renegade$2,252$238
33Mitsubishi Outlander$2,280$266
34Kia Sportage$2,294$280
35Hyundai Ioniq 5$2,302$288
36Nissan Ariya$2,304$290
37Fiat 500X$2,310$296
38Mini Cooper Countryman$2,318$304
39Subaru Solterra$2,320$306
40Mazda CX-50$2,326$312
41Toyota bz4X$2,330$316
42Mitsubishi Mirage$2,342$328
43Kia EV6$2,416$402
44Dodge Hornet$2,492$478
45Jeep Compass$2,536$522
46Hyundai Nexo$2,584$570
47Ford Mustang Mach-E$2,742$728

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 Niro Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Kia Niro.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 Kia Niro Insurance Rates by Trim Level
2024 Kia Niro Trim Level Annual Premium Cost Per Month
LX$1,866$156
EX$1,940$162
EX Touring$1,994$166
SX$2,016$168
EX Plug-in Hybrid$2,044$170
SX Touring$2,070$173
SX Touring Plug-in Hybrid$2,182$182

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 Kia Niro for different driver ages.

2024 Kia Niro Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,113$593
17$6,883$574
18$6,160$513
19$5,618$468
20$4,313$359
21$4,115$343
22$3,690$308
23$3,045$254
24$2,876$240
25$2,334$195
30$2,148$179
35$2,072$173
40$2,014$168
45$1,888$157
50$1,790$149
55$1,670$139
60$1,674$140
65$1,780$148
70$1,918$160
75$2,254$188
80$2,766$231

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Kia Niro trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Kia Niro.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Kia Niro Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Kia Niro$2,014$168
2023 Kia Niro$2,110$176
2022 Kia Niro$2,076$173
2021 Kia Niro$2,032$169
2020 Kia Niro$1,976$165
2019 Kia Niro$1,922$160
2018 Kia Niro$1,862$155
2017 Kia Niro$1,750$146

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Kia Niro trim levels for each model year.