Honda CR-V vs. Kia Niro – Which Costs Less to Insure?

• A 2024 Honda CR-V has cheaper car insurance rates than a 2024 Kia Niro by an average of $8 per year, $1,618 compared to $1,626.
• The average car insurance cost per month on the Kia Niro is 0.7% more expensive than the Honda CR-V, at $136 versus $135, a difference of $1.
• Out of 47 models in the 2024 small SUV automotive segment, the Honda CR-V ranks 12^th and the Kia Niro ranks 14^th for average car insurance affordability.
• The Honda CR-V LX and the Kia Niro LX are the trims with the cheapest rates for each model based on our comparison.

Is Honda CR-V or Kia Niro insurance cheaper?

Car insurance for a 2024 Honda CR-V averages $1,618 per year, while insurance for a Kia Niro costs an average of $1,626 per year, making the Honda CR-V the model with the cheapest overall car insurance rates.

Out of nine Honda CR-V trims, the cheapest 2024 trim to insure is the LX model at an average cost of $1,534 per year, or about $128 per month.

For the seven trims available for the Kia Niro, the cheapest 2024 model to insure is the LX trim at a cost of $1,510 per year, or $126 per month.

When average insurance prices for all 16 trim levels for both 2024 models are compared, the cheapest model and trim level is the Kia Niro LX at an average rate of $1,510 per year, and the overall most expensive vehicle to insure is the Kia Niro SX Touring Plug-in Hybrid costing $1,728 per year.

The next table ranks the annual and monthly car insurance cost for 2024 Honda CR-V and Kia Niro models, showing average cost for every trim level.

The chart shown below visualizes the average cost to insure both models for four different driver age groups. For a 2024 Honda CR-V, insurance cost ranges from $1,438 to $3,254 per year. A 2024 Kia Niro costs from $1,446 to $3,244 to insure per year.

The next two rate tables display the average cost to insure all 2024 trim levels, including an overall average rate. The model with cheapest overall car insurance cost for 2024 is the Honda CR-V.

2023 Honda CR-V vs. Kia Niro

Insurance cost for a 2023 Honda CR-V averages $1,564 per year, while insurance for a Kia Niro averages $1,708 per year, making the Honda CR-V the cheaper of the two to insure.

Out of seven trim levels for the 2023 Honda CR-V, the cheapest rates are on the EX model at a cost of $1,514 per year.

Out of the seven trim levels available for the Kia Niro, the cheapest 2023 model to insure is the LX model at a cost of $1,604.

When insurance rates for all 14 trim levels for both 2023 models are compared, the cheapest model and trim level to insure is the Honda CR-V EX at an average of $1,514 per year. The most expensive trim is the Kia Niro SX Touring Plug-in Hybrid at a cost of $1,806 per year.

The rate table below ranks the annual and monthly car insurance cost for 2023 Honda CR-V and Kia Niro models, with average rates for every trim level for each model.

The rate chart below displays the average cost to insure both models rated for drivers aged 20 to 50. For a 2023 Honda CR-V, the average cost of car insurance ranges from $1,388 to $3,178 per year for these driver ages. A 2023 Kia Niro costs from $1,526 to $3,450 to insure per year.

The next two tables display trim level insurance cost averages for both 2023 models, including an overall average cost for each model. The cheapest to insure for the 2023 model year is the Honda CR-V.

2022 Honda CR-V vs. Kia Niro

For 2022 Honda CR-V and Kia Niro models, the cheaper model to insure on average is the Honda CR-V. Insurance rates on a Honda CR-V cost an average of $1,516 per year, and the Kia Niro averages $1,682 per year.

On a 2022 Honda CR-V, car insurance rates range from $1,426 per year for the LX model up to the highest rate of $1,618 for the Hybrid Touring model. The cheapest models are the LX, Special Edition, and EX.

For a 2022 Kia Niro, rates can range from $1,568 per year on the LX model up to $1,796 for the most expensive to insure EV EX model. The cheapest Kia Niro models include the LX, LXS, and LXS Special Edition.

The rate table below compares and ranks the annual and monthly car insurance cost for 2022 Honda CR-V and Kia Niro models, showing average cost for each trim level.

For the 2022 Honda CR-V and Kia Niro models, the Honda CR-V is cheaper to insure by an average of $166 per year.

The next chart illustrates the average cost to insure the two models using a range of rated driver ages. The average cost of car insurance ranges from $1,348 to $3,072 per year on a 2022 Honda CR-V, and $1,500 to $3,398 on a 2022 Kia Niro.

Out of eight Honda CR-V trims, the cheapest 2022 model to insure is the LX trim at an average cost of $1,426 per year.

For the nine trim options available for the Kia Niro, the cheapest 2022 model to insure is the LX model at a cost of $1,568 per year, or around $131 per month.

When trim-level rates for both models are compared, the most affordable model and trim level to buy insurance for is the Honda CR-V LX at an average of $1,426 per year, and the overall most expensive vehicle to insure is the Kia Niro EV EX at an average of $1,796 per year.

The next tables illustrate trim level insurance cost averages for both 2022 models, as well as an average rate for each model. The 2022 Honda CR-V has cheaper average car insurance rates than the 2022 Kia Niro.

2021 Honda CR-V vs. Kia Niro

A 2021 Honda CR-V costs $276 less per year to insure per year on average than a 2021 Kia Niro, a difference of 18.3%.

The chart below visualizes the average cost to insure both models rated for a variety of different driver ages. The average cost of car insurance ranges from $1,214 to $2,758 per year on a 2021 Honda CR-V, and $1,470 to $3,328 for a 2021 Kia Niro for the age groups used in the chart.

Out of eight Honda CR-V trim levels, the cheapest 2021 trim level to insure is the EX 2WD model at an average cost of $1,284 per year.

Out of the five option levels available for the Kia Niro, the cheapest 2021 model to insure is the FE 2WD trim at a cost of $1,566 per year, or about $131 per month.

When rates for all 13 trims of both models are combined and sorted by cost, the most affordable model and trim level to put coverage on is the Honda CR-V EX 2WD at a cost of $1,284 per year. The highest-cost model and trim level is the Kia Niro Hybrid Touring 2WD at a cost of $1,738 per year.

The next two tables break down average car insurance cost by trim level for each 2021 model, as well as the overall average rate for each model.

2020 Honda CR-V vs. Kia Niro

For the 2020 Honda CR-V and Kia Niro models, the Honda CR-V has cheaper car insurance rates by an average of $272 per year for this model year.

The next chart demonstrates the average insurance cost for both 2020 models for the 20 to 50-year-old driver age groups. The average car insurance cost ranges from $1,178 to $2,674 per year on a 2020 Honda CR-V, and $1,430 to $3,240 on a 2020 Kia Niro for the included driver ages.

The 2020 Honda CR-V has eight trim levels available, with the cheapest trim to insure being the EX 2WD trim at an average cost of $1,248 per year, or $104 per month.

For the five different trim levels available for the Kia Niro, the cheapest 2020 model to insure is the FE 2WD trim at a cost of $1,526.

When average car insurance prices for all 13 trims of both models are combined and sorted by cost, the lowest-cost model and trim level to insure is the Honda CR-V EX 2WD at an average of $1,248 per year. The most expensive model and trim level is the Kia Niro Hybrid Touring 2WD at an average cost of $1,688 per year.

The two tables below show the cost to insure the available trim levels for both 2020 models, including the average rate for each model.

2019 Honda CR-V vs. Kia Niro

For the 2019 Honda CR-V and Kia Niro models, the Honda CR-V has cheaper car insurance cost by an average of $322 per year for this comparison year.

The chart shown below demonstrates the average cost to insure both models for different driver ages. The average cost of car insurance ranges from $1,098 to $2,480 per year for a 2019 Honda CR-V, and $1,394 to $3,158 for a 2019 Kia Niro.

Out of eight trim levels for the 2019 Honda CR-V, the cheapest car insurance rates are on the EX 2WD model at a cost of $1,174 per year, or $98 per month.

For the five option levels available for the Kia Niro, the cheapest 2019 trim package to insure is the FE 2WD model at a cost of $1,482.

When looking at the combined rates by trim for both models, the overall cheapest vehicle to buy insurance for is the Honda CR-V EX 2WD at a cost of $1,174 per year. The most expensive model and trim level is the Kia Niro Hybrid Touring 2WD at an average of $1,646 per year.

The tables shown below display average car insurance rates for every trim level for both 2019 models, as well as the overall average rate for each model. The 2019 Honda CR-V has lower-cost car average car insurance rates than the 2019 Kia Niro.

2018 Honda CR-V vs. Kia Niro

When comparing average insurance rates for the 2018 Honda CR-V and Kia Niro models, the Honda CR-V is cheaper by an average of $324 per year for this model year.

The chart below shows the average insurance cost for the two models for the 20 to 50-year-old driver age groups. For a 2018 Honda CR-V, the average car insurance cost ranges from $1,056 to $2,380 per year for the driver ages used. Auto insurance on a 2018 Kia Niro costs from $1,352 to $3,054 on average per year.

For the 10 trim levels available for the 2018 Honda CR-V, the cheapest trim level to insure is the EX 2WD model at an average cost of $1,124 per year. For the six trims available for the Kia Niro, the cheapest 2018 trim level to insure is the Hybrid FE 2WD model at a cost of $1,428 per year, or $119 per month.

When trim-level rates for both models are compared, the overall cheapest vehicle to buy insurance for is the Honda CR-V EX 2WD at an average of $1,124 per year. The most expensive trim is the Kia Niro Hybrid Touring 2WD at an average cost of $1,576 per year.

The tables below show the expected annual car insurance cost by trim level for both 2018 models, as well as an average rate for each model.

2017 Honda CR-V vs. Kia Niro

A 2017 Honda CR-V is $278 cheaper to insure per year on average than a 2017 Kia Niro, a difference of 21.8%.

The chart shown below shows the average car insurance cost for the two models using drivers aged 20 to 50. For a 2017 Honda CR-V, average insurance cost ranges from $1,012 to $2,278 per year for the illustrated age groups. A full-coverage policy for a 2017 Kia Niro costs from $1,272 to $2,866 on average per year.

For the 10 trims available for the 2017 Honda CR-V, the cheapest model to insure is the EX 2WD model at an average cost of $1,080 per year.

For the four trim levels available for the Kia Niro, the cheapest 2017 trim to insure is the Hybrid FE 2WD trim at a cost of $1,380 per year, or about $115 per month.

When comparing aggregated rates for both models from a trim-level perspective, the most affordable model and trim level to insure is the Honda CR-V EX 2WD at an average rate of $1,080 per year. The most expensive vehicle to insure is the Kia Niro Hybrid Touring 2WD at an average of $1,480 per year.

The next two tables show the average insurance cost by trim level for both 2017 models, including an overall average cost for each model.

Additional Honda CR-V and Kia Niro Resources

• Honda CR-V Insurance Cost
• Kia Niro Insurance Cost
• Small SUV Insurance Cost Comparisons