2021 Kia Niro Car Insurance Calculator

Discover and learn how seemingly small changes affect the cost of insurance for a 2021 Kia Niro. Experiment with coverage deductibles, age of the driver, policy discounts, and trim level options to see the impact on rates. Get instant feedback if your choice raises or lowers your rate and learn exactly why.

The average estimated car insurance premium for a 2021 Kia Niro is $2,032 per year, or about $169 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

$2,032

Cost Per Month

$169

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 2021 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.

$2,032
Average Rate
Your Rate
$2,032

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 2021 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 2021 Kia Niro is $2,032.

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.

2021 Kia Niro vs. the Small SUV Segment

The table below compares insurance rates for the 2021 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.

2021 Kia Niro Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda CX-3$1,624-$408
2Honda CR-V$1,688-$344
3Mazda CX-5$1,712-$320
4Mazda CX-30$1,714-$318
5Ford Ecosport$1,720-$312
6Toyota C-HR$1,726-$306
7Nissan Rogue Sport$1,736-$296
8Chevrolet Trax$1,744-$288
9Buick Envision$1,756-$276
10Nissan Kicks$1,760-$272
11Hyundai Kona$1,762-$270
12Hyundai Venue$1,768-$264
13Hyundai Tucson$1,770-$262
14Kia Sportage$1,774-$258
15Jeep Compass$1,780-$252
16Kia Soul$1,788-$244
17Mitsubishi Eclipse Cross$1,792-$240
18Chevrolet Equinox$1,794-$238
19Chevrolet Trailblazer$1,804-$228
20Honda HR-V$1,824-$208
21Volkswagen Tiguan$1,830-$202
22Subaru Forester$1,846-$186
23Nissan Rogue$1,864-$168
24Ford Escape$1,868-$164
25GMC Terrain$1,872-$160
26Subaru Crosstrek$1,876-$156
27Kia Seltos$1,884-$148
2021 Small SUV Average$1,890-$142
28Buick Encore$1,914-$118
29Volkswagen ID4$1,932-$100
30Fiat 500X$1,940-$92
31Ford Bronco Sport$1,946-$86
32Jeep Renegade$1,956-$76
33Toyota RAV4$2,020-$12
34Kia Niro$2,032--
35Mini Cooper Countryman$2,078$46
36Mini Cooper$2,126$94
37Mitsubishi Mirage$2,152$120
38Chevrolet Bolt$2,160$128
39Mini Cooper Clubman$2,310$278
40Mitsubishi Outlander$2,350$318
41Hyundai Nexo$2,504$472

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.

2021 Niro Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Kia Niro Insurance Rates by Trim Level
2021 Kia Niro Trim Level Annual Premium Cost Per Month
FE 2WD$1,932$161
Hybrid LX 2WD$1,932$161
Hybrid EX 2WD$2,064$172
Hybrid S Touring 2WD$2,082$174
Hybrid Touring 2WD$2,146$179

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 2021 Kia Niro for different driver ages.

2021 Kia Niro Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,484$624
17$7,182$599
18$6,306$526
19$5,784$482
20$4,395$366
21$4,189$349
22$3,726$311
23$3,100$258
24$2,908$242
25$2,354$196
30$2,154$180
35$2,090$174
40$2,032$169
45$1,908$159
50$1,814$151
55$1,694$141
60$1,696$141
65$1,806$151
70$1,984$165
75$2,370$198
80$2,934$245

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.