2023 Kia Niro Car Insurance Calculator

Monitor in real-time how changes to risk factors and vehicle options impact car insurance rates for a 2023 Kia Niro. Modify options like driver's age, policy discounts, and trim level and watch how each affects your rate. Know immediately if rates go up or down and learn why.

The average estimated car insurance premium for a 2023 Kia Niro is $2,110 per year, or about $176 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

$2,110

Cost Per Month

$176

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 2023 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.

$2,110
Average Rate
Your Rate
$2,110

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 2023 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 2023 Kia Niro is $2,110.

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.

2023 Kia Niro vs. the Small SUV Segment

The table below compares insurance rates for the 2023 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.

2023 Kia Niro Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Trailblazer$1,722-$388
2Subaru Crosstrek$1,740-$370
3Nissan Kicks$1,744-$366
4Nissan Rogue Sport$1,776-$334
5Mazda CX-5$1,794-$316
6Buick Encore$1,814-$296
7Buick Envision$1,822-$288
8Kia Seltos$1,844-$266
9Hyundai Venue$1,854-$256
10Honda HR-V$1,886-$224
11Hyundai Kona$1,910-$200
12Subaru Forester$1,926-$184
13Honda CR-V$1,932-$178
14Mazda CX-30$1,936-$174
15Chevrolet Trax$1,950-$160
16Volkswagen Tiguan$1,978-$132
17Ford Bronco Sport$1,984-$126
18Fiat 500X$2,018-$92
19Kia Soul$2,022-$88
20GMC Terrain$2,024-$86
21Mitsubishi Eclipse Cross$2,034-$76
22Chevrolet Equinox$2,048-$62
23Toyota Corolla Cross$2,056-$54
24Volkswagen Taos$2,062-$48
25Mazda CX-50$2,064-$46
2023 Small SUV Average$2,073-$37
26Hyundai Tucson$2,082-$28
27Ford Escape$2,086-$24
28Nissan Rogue$2,094-$16
29Kia Niro$2,110--
30Toyota RAV4$2,112$2
31Mazda MX-30$2,116$6
32Mini Cooper$2,126$16
33Jeep Compass$2,130$20
34Mini Cooper Clubman$2,162$52
35Jeep Renegade$2,192$82
36Chevrolet Bolt$2,206$96
37Toyota bz4X$2,216$106
38Hyundai Ioniq 5$2,260$150
39Kia Sportage$2,270$160
40Mini Cooper Countryman$2,338$228
41Mitsubishi Mirage$2,340$230
42Mitsubishi Outlander$2,352$242
43Volkswagen ID4$2,366$256
44Kia EV6$2,416$306
45Dodge Hornet$2,418$308
46Hyundai Nexo$2,508$398
47Ford Mustang Mach-E$2,576$466

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.

2023 Niro Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Kia Niro Insurance Rates by Trim Level
2023 Kia Niro Trim Level Annual Premium Cost Per Month
LX$1,978$165
EX$2,048$171
EX Touring$2,098$175
SX$2,118$177
EX Plug-in Hybrid$2,138$178
SX Touring$2,160$180
SX Touring Plug-in Hybrid$2,230$186

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 2023 Kia Niro for different driver ages.

2023 Kia Niro Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,699$642
17$7,405$617
18$6,533$544
19$5,983$499
20$4,558$380
21$4,344$362
22$3,872$323
23$3,211$268
24$3,024$252
25$2,448$204
30$2,240$187
35$2,174$181
40$2,110$176
45$1,982$165
50$1,882$157
55$1,758$147
60$1,760$147
65$1,874$156
70$2,048$171
75$2,438$203
80$3,010$251

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.