2022 Kia Niro Car Insurance Calculator

See in real-time how different driver and vehicle factors impact the insurance cost for a 2022 Kia Niro. Experiment with rate factors like policy discounts, vehicle trim level, and driving violations to see how insurance rates are affected. See instantly whether your choice results in cheaper or more expensive rates.

The average estimated car insurance premium for a 2022 Kia Niro is $2,076 per year, or about $173 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

$2,076

Cost Per Month

$173

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 2022 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.

$2,076
Average Rate
Your Rate
$2,076

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 2022 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 2022 Kia Niro is $2,076.

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.

2022 Kia Niro vs. the Small SUV Segment

The table below compares insurance rates for the 2022 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.

2022 Kia Niro Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda CX-5$1,626-$450
2Nissan Kicks$1,666-$410
3Chevrolet Trailblazer$1,678-$398
4Subaru Crosstrek$1,718-$358
5Buick Encore$1,768-$308
6Toyota C-HR$1,774-$302
7Nissan Rogue Sport$1,782-$294
8Hyundai Venue$1,812-$264
9Buick Envision$1,818-$258
10Kia Seltos$1,820-$256
11Ford Bronco Sport$1,828-$248
12Toyota Corolla Cross$1,834-$242
13Hyundai Kona$1,850-$226
14Subaru Forester$1,852-$224
15Volkswagen Tiguan$1,860-$216
16Honda CR-V$1,872-$204
17Mazda CX-30$1,892-$184
18Honda HR-V$1,918-$158
19Ford Ecosport$1,936-$140
20Chevrolet Trax$1,958-$118
21GMC Terrain$1,966-$110
22Mitsubishi Eclipse Cross$1,972-$104
2022 Small SUV Average$1,982-$94
23Hyundai Tucson$1,986-$90
24Chevrolet Bolt$1,994-$82
25Chevrolet Equinox$1,998-$78
26Volkswagen Taos$2,002-$74
27Fiat 500X$2,010-$66
28Toyota RAV4$2,018-$58
29Kia Soul$2,020-$56
30Mazda MX-30$2,062-$14
31Jeep Compass$2,070-$6
32Kia Niro$2,076--
33Nissan Rogue$2,092$16
34Ford Escape$2,102$26
35Hyundai Ioniq 5$2,118$42
36Mini Cooper Clubman$2,124$48
37Jeep Renegade$2,126$50
38Kia Sportage$2,136$60
39Volkswagen ID4$2,178$102
40Mini Cooper$2,188$112
41Mini Cooper Countryman$2,210$134
42Mitsubishi Outlander$2,300$224
43Mitsubishi Mirage$2,320$244
44Ford Mustang Mach-E$2,418$342
45Hyundai Nexo$2,444$368

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.

2022 Niro Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Kia Niro Insurance Rates by Trim Level
2022 Kia Niro Trim Level Annual Premium Cost Per Month
LX$1,932$161
LXS$1,972$164
LXS Special Edition$2,012$168
LXS Plug-in Hybrid$2,058$172
Touring Special Edition$2,066$172
EX Premium$2,104$175
EX Plug-in Hybrid$2,132$178
EX Premium Plug-in Hybrid$2,178$182
EV EX$2,216$185

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 2022 Kia Niro for different driver ages.

2022 Kia Niro Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,597$633
17$7,306$609
18$6,440$537
19$5,899$492
20$4,489$374
21$4,279$357
22$3,812$318
23$3,159$263
24$2,974$248
25$2,408$201
30$2,202$184
35$2,136$178
40$2,076$173
45$1,948$162
50$1,852$154
55$1,728$144
60$1,732$144
65$1,846$154
70$2,018$168
75$2,402$200
80$2,970$248

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.