2020 Kia Niro Car Insurance Calculator

View in real-time how choices you make impact the cost of insurance for a 2020 Kia Niro. Adjust factors such as policy coverages, liability limits, deductibles, and driver's age. Instantly see if the choice you made raises or lower rates and why.

The average estimated car insurance premium for a 2020 Kia Niro is $1,976 per year, or about $165 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

$1,976

Cost Per Month

$165

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 2020 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.

$1,976
Average Rate
Your Rate
$1,976

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 2020 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 2020 Kia Niro is $1,976.

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.

2020 Kia Niro vs. the Small SUV Segment

The table below compares insurance rates for the 2020 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.

2020 Kia Niro Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda CX-3$1,580-$396
2Honda CR-V$1,638-$338
3Mazda CX-5$1,658-$318
4Mazda CX-30$1,664-$312
5Ford Ecosport$1,670-$306
6Toyota C-HR$1,676-$300
7Nissan Rogue Sport$1,686-$290
8Buick Envision$1,702-$274
9Chevrolet Trax$1,706-$270
10Nissan Kicks$1,708-$268
11Mitsubishi Eclipse Cross$1,710-$266
12Hyundai Kona$1,714-$262
13Hyundai Tucson$1,718-$258
14Kia Sportage$1,722-$254
15Kia Soul$1,736-$240
16Hyundai Venue$1,738-$238
17Chevrolet Equinox$1,742-$234
18Jeep Compass$1,756-$220
19Volkswagen Tiguan$1,774-$202
20Honda HR-V$1,784-$192
21Subaru Forester$1,792-$184
22Buick Encore$1,802-$174
23Nissan Rogue$1,808-$168
24Ford Escape$1,814-$162
25Subaru Crosstrek$1,820-$156
26GMC Terrain$1,826-$150
2020 Small SUV Average$1,835-$141
27Fiat 500X$1,886-$90
28Jeep Renegade$1,900-$76
29Toyota RAV4$1,962-$14
30Kia Niro$1,976--
31Mini Cooper Countryman$2,014$38
32Mini Cooper$2,062$86
33Mitsubishi Mirage$2,092$116
34Chevrolet Bolt$2,100$124
35Mini Cooper Clubman$2,244$268
36Mitsubishi Outlander$2,280$304
37Hyundai Nexo$2,428$452

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.

2020 Niro Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Kia Niro Insurance Rates by Trim Level
2020 Kia Niro Trim Level Annual Premium Cost Per Month
FE 2WD$1,882$157
Hybrid LX 2WD$1,882$157
Hybrid EX 2WD$2,006$167
Hybrid S Touring 2WD$2,024$169
Hybrid Touring 2WD$2,086$174

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 2020 Kia Niro for different driver ages.

2020 Kia Niro Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,298$608
17$6,998$583
18$6,136$511
19$5,631$469
20$4,274$356
21$4,075$340
22$3,625$302
23$3,015$251
24$2,828$236
25$2,288$191
30$2,094$175
35$2,036$170
40$1,976$165
45$1,860$155
50$1,766$147
55$1,650$138
60$1,652$138
65$1,762$147
70$1,934$161
75$2,314$193
80$2,862$239

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.