2018 Kia Niro Car Insurance Calculator

See and learn how changing risk factors impact the insurance cost for a 2018 Kia Niro. Adjust factors such as driving record, coverage levels, mileage driven, and vehicle usage. Instantly know if the selections you make raise or lower your rate.

The average estimated car insurance premium for a 2018 Kia Niro is $1,862 per year, or about $155 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

$1,862

Cost Per Month

$155

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 2018 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.

$1,862
Average Rate
Your Rate
$1,862

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.

The 'Average Rate' is a combined value for all 2018 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 2018 Kia Niro is $1,862.

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.

2018 Kia Niro vs. the Small SUV Segment

The table below compares insurance rates for the 2018 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.

2018 Kia Niro Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Ecosport$1,374-$488
2Nissan Kicks$1,408-$454
3Toyota C-HR$1,412-$450
4Jeep Compass$1,426-$436
5Subaru Crosstrek$1,442-$420
6Hyundai Kona$1,458-$404
7Honda CR-V$1,464-$398
8Mazda CX-3$1,472-$390
9Chevrolet Equinox$1,554-$308
10Honda HR-V$1,560-$302
11Mitsubishi Eclipse Cross$1,574-$288
12Mazda CX-5$1,606-$256
13Subaru Forester$1,622-$240
14Chevrolet Trax$1,628-$234
2018 Small SUV Average$1,649-$213
15Nissan Rogue$1,656-$206
16Buick Encore$1,666-$196
17Jeep Renegade$1,676-$186
18Mini Cooper$1,692-$170
19Hyundai Tucson$1,698-$164
20Kia Soul$1,702-$160
21Volkswagen Tiguan$1,716-$146
22Buick Envision$1,740-$122
23Toyota RAV4$1,750-$112
24Kia Sportage$1,754-$108
25Mini Cooper Countryman$1,758-$104
26Ford Escape$1,768-$94
27Ford C-Max$1,798-$64
28GMC Terrain$1,804-$58
29Mini Cooper Clubman$1,826-$36
30Chevrolet Bolt$1,830-$32
31Mitsubishi Mirage$1,832-$30
32Kia Niro$1,862--
33Mitsubishi Outlander$1,880$18

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.

2018 Niro Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Kia Niro Insurance Rates by Trim Level
2018 Kia Niro Trim Level Annual Premium Cost Per Month
Hybrid FE 2WD$1,762$147
Hybrid LX 2WD$1,762$147
Hybrid EX 2WD$1,872$156
Hybrid Graphite Edition 2WD$1,890$158
Hybrid EX Premium 2WD$1,944$162
Hybrid Touring 2WD$1,944$162

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 2018 Kia Niro for different driver ages.

2018 Kia Niro Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,911$576
17$6,618$552
18$5,781$482
19$5,313$443
20$4,027$336
21$3,839$320
22$3,409$284
23$2,845$237
24$2,668$222
25$2,160$180
30$1,974$165
35$1,918$160
40$1,862$155
45$1,754$146
50$1,670$139
55$1,558$130
60$1,562$130
65$1,662$139
70$1,828$152
75$2,194$183
80$2,716$226

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.