Kia Niro Car Insurance Rates for 2023

How much does Kia Niro insurance cost? We tallied rates from the LX model to the SX Touring Plug-in Hybrid trim and compared them to the rest of the compact SUV segment.

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  • Kia Niro insurance cost averages $1,638 per year, or $137 per month for full coverage.
  • The Niro ranks 31st out of 47 vehicles in the small SUV class for insurance affordability.
  • The cheapest Niro to insure is the LX trim level at an estimated $1,538 per year. The most expensive is the Niro SX Touring Plug-in Hybrid at $1,730 annually.
  • Kia Niro insurance rates in a few larger cities include $1,964 in Kansas City, MO, $2,548 in Los Angeles, CA, and $2,448 in Louisville, KY.

How much does Kia Niro insurance cost?

Kia Niro car insurance costs an average of $1,638 a year, or $137 on a monthly basis. With the average small SUV costing $1,606 a year to insure, the Kia Niro would cost an estimated $32 more on an annual basis.

The following chart demonstrates how average Niro car insurance rates vary depending on the age of the driver and coverage deductibles. Displayed cost values vary from the lowest price of $1,264 per year for a 60-year-old driver with $1,000 comprehensive and collision deductibles to the highest policy cost of $3,728 each year for a 20-year-old driver with a deductible of $250.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 Kia Niro with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Kia Niro trim levels.Data last updated on May 5, 2023
Kia Niro Car Insurance Rates
2023 Kia Niro Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,812$234
$500$3,258$272
$250$3,728$311
30$1,000$1,464$122
$500$1,712$143
$250$1,974$165
40$1,000$1,410$118
$500$1,638$137
$250$1,878$157
50$1,000$1,290$108
$500$1,496$125
$250$1,710$143
60$1,000$1,264$105
$500$1,466$122
$250$1,676$140

As with all car insurance policies, the higher policy deductible you choose, the lower the policy will cost. In the chart above, insurance rates on a 2023 Niro range from an average rate for a 60-year-old driver of $1,466 up to the average rate for a 20-year-old driver of $3,258 per year.

Expect to pay much higher insurance rates for teenage drivers on a Kia Niro. For example, a 16-year-old male driver with a clean driving record would pay around $6,036 while a 16-year-old female would pay about $5,320. By age 18, rates drop to around $5,208 for males and $4,514 for female drivers.

How does Niro insurance compare to other small SUVs?

When comparing average rates directly to other small SUVs, insurance for a Kia Niro costs $22 more per year than the Ford Escape, $142 more than the Honda CR-V, $50 more than the Chevrolet Equinox, and $16 more than the Nissan Rogue.

The Kia Niro ranks 31st out of 47 total comparison vehicles in the small SUV segment. The Niro costs an average of $1,638 per year to insure and the class median average cost is $1,606 per year, a difference of $32 per year.

The chart below shows how the cost to insure a 2023 Niro compares to the top-selling small SUVs like the Toyota RAV4, Honda CR-V, and the Nissan Rogue. A more comprehensive table after the chart shows insurance rate comparisons for all 47 vehicles in the small SUV segment.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Kia Niro, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Kia Niro trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Kia Niro vs Top 10 Small SUVs Insurance Cost Comparison
Kia Niro Insurance Cost Compared to All Small SUVs
Rank Make/Model Insurance Cost Difference
1Chevrolet Trailblazer$1,334-$304
2Subaru Crosstrek$1,346-$292
3Nissan Kicks$1,354-$284
4Nissan Rogue Sport$1,378-$260
5Mazda CX-5$1,386-$252
6Buick Encore$1,406-$232
7Buick Envision$1,410-$228
8Kia Seltos$1,430-$208
9Hyundai Venue$1,440-$198
10Honda HR-V$1,464-$174
11Hyundai Kona$1,480-$158
12Subaru Forester$1,486-$152
13Honda CR-V$1,496-$142
14Mazda CX-30$1,498-$140
15Chevrolet Trax$1,514-$124
16Volkswagen Tiguan$1,532-$106
17Ford Bronco Sport$1,536-$102
18Fiat 500X$1,564-$74
19GMC Terrain$1,566-$72
20Kia Soul$1,568-$70
21Mitsubishi Eclipse Cross$1,572-$66
22Chevrolet Equinox$1,588-$50
23Toyota Corolla Cross$1,592-$46
24Volkswagen Taos$1,600-$38
25Mazda CX-50$1,610-$28
26Hyundai Tucson$1,614-$24
27Ford Escape$1,616-$22
28Nissan Rogue$1,622-$16
29Toyota RAV4$1,634-$4
30Mazda MX-30$1,636-$2
31Kia Niro$1,638--
32Mini Cooper$1,648$10
33Jeep Compass$1,652$14
34Mini Cooper Clubman$1,674$36
35Jeep Renegade$1,698$60
36Chevrolet Bolt$1,710$72
37Toyota bz4X$1,716$78
38Kia Sportage$1,760$122
39Hyundai Ioniq 5$1,764$126
40Mini Cooper Countryman$1,812$174
41Mitsubishi Mirage$1,818$180
42Mitsubishi Outlander$1,820$182
43Volkswagen ID4$1,832$194
44Kia EV6$1,870$232
45Dodge Hornet$1,872$234
46Hyundai Nexo$1,938$300
47Ford Mustang Mach-E$1,996$358

Comparing average annual insurance cost for a Kia Niro to models in a similar price range can provide another useful insight.

The Niro has an average MSRP of $32,497, ranging from the cheapest LX model at $26,490 to the most expensive SX Touring Plug-in Hybrid costing $39,490.

The four models closest in price to the Kia Niro for the 2023 model year are the Nissan Rogue, Mazda CX-5, Mitsubishi Outlander, and Kia Sportage. The next list shows how they compare to the Kia Niro by MSRP and average cost of insurance.

  • Kia Niro vs. Nissan Rogue – New off the lot, the sticker price on the Nissan Rogue averages $82 more than the average cost for the Niro ($32,579 compared to $32,497). Insurance on the Nissan Rogue costs an average of $16 less than the Kia Niro.
  • Kia Niro vs. Mazda CX-5 – Having an average MSRP of $32,611 and ranging from $26,700 to $39,650, the 2023 Mazda CX-5 costs $114 more than the average sticker price for the Niro. Insuring a 2023 Kia Niro compared to the Mazda CX-5 costs an average of $252 more every 12 months.
  • Kia Niro vs. Mitsubishi Outlander – Having an average sticker price of $32,988 ($27,595 to $37,395), the Mitsubishi Outlander costs $491 more than the average cost of the Niro. The average insurance cost for a Kia Niro compared to the Mitsubishi Outlander is $182 less annually.
  • Kia Niro vs. Kia Sportage – Having an average sticker price of $33,123 ($25,990 to $42,990), the Kia Sportage costs $626 more than the average cost for the Niro. The average insurance cost for a Niro compared to the Kia Sportage is $122 less per year.

See our car insurance comparisons for additional head-to-head comparisons for many other makes and models of vehicles.

Is Kia Niro insurance cheap?

The cheapest Kia Niro insurance is on the LX at $1,538 per year, or about $128 per month. The second cheapest model is the EX also at $1,590 per year, and the third cheapest model to insure is the EX Touring at $1,630 per year.

For higher Niro trim levels, the three highest cost models to insure are the Niro EX Plug-in Hybrid, the SX Touring, and the SX Touring Plug-in Hybrid trim levels at $1,660,  $1,678, and $1,730 per year, respectively.

The rate table below displays the average annual and 6-month car insurance policy costs, including a monthly budget figure, for each Kia Niro model and trim level.

2023 Kia Niro Insurance Cost by Trim Level
Kia Niro Trim Level Annual Policy Six-Month Policy Per Month
LX$1,538$769$128
EX$1,590$795$133
EX Touring$1,630$815$136
SX$1,644$822$137
EX Plug-in Hybrid$1,660$830$138
SX Touring$1,678$839$140
SX Touring Plug-in Hybrid$1,730$865$144

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Kia Niro, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Kia Niro Insurance Cost by Trim Level

Kia Niro average insurance cost by location

The insurance cost for a Kia Niro can fluctuate significantly, from cheaper rates like $1,096 a year in Virginia Beach, VA, or $1,026 in Raleigh, NC, to high rates like $2,548 a year in Los Angeles, CA, and $2,842 in New Orleans, LA.

Cost in additional cities include car insurance rates in Houston, TX, averaging $1,674 per year, Louisville, KY, costing $2,448, Austin, TX, at $1,446, and Tulsa, OK, at $1,980.

The next chart illustrates average Kia Niro car insurance cost in the larger urban areas in the U.S.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 Kia Niro, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Kia Niro trim levels.Data last updated on May 5, 2023
Kia Niro Insurance Rates in Large U.S. Cities
Kia Niro Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,888$241
Philadelphia, PA$2,564$214
Las Vegas, NV$2,554$213
Los Angeles, CA$2,548$212
San Francisco, CA$2,208$184
Kansas City, MO$1,964$164
Oklahoma City, OK$1,964$164
Denver, CO$1,926$161
Memphis, TN$1,926$161
Atlanta, GA$1,900$158
San Jose, CA$1,846$154
Phoenix, AZ$1,800$150
Portland, OR$1,774$148
San Diego, CA$1,764$147
Boston, MA$1,758$147
Jacksonville, FL$1,756$146
Chicago, IL$1,708$142
Dallas, TX$1,682$140
Houston, TX$1,674$140
Seattle, WA$1,668$139
Nashville, TN$1,604$134
Milwaukee, WI$1,594$133
Albuquerque, NM$1,566$131
San Antonio, TX$1,518$127
Omaha, NE$1,472$123
Fort Worth, TX$1,468$122
Austin, TX$1,446$121
Indianapolis, IN$1,320$110
Columbus, OH$1,214$101
Charlotte, NC$1,160$97

When evaluating Kia Niro insurance rates at the state level, states like Iowa ($1,096), Virginia ($1,090), and Maine ($986) tend to have cheaper car insurance rates, while states like Michigan ($2,238) and Louisiana ($1,950) have more expensive Niro insurance rates.

The table below shows average 2023 Kia Niro insurance rates in all fifty U.S. states.

Kia Niro Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,474$737$123
Alaska$1,240$620$103
Arizona$1,502$751$125
Arkansas$1,714$857$143
California$1,982$991$165
Colorado$1,758$879$147
Connecticut$1,824$912$152
Delaware$1,864$932$155
Florida$2,040$1,020$170
Georgia$1,674$837$140
Hawaii$1,116$558$93
Idaho$1,166$583$97
Illinois$1,436$718$120
Indiana$1,222$611$102
Iowa$1,096$548$91
Kansas$1,612$806$134
Kentucky$1,756$878$146
Louisiana$1,950$975$163
Maine$986$493$82
Maryland$1,522$761$127
Massachusetts$1,784$892$149
Michigan$2,238$1,119$187
Minnesota$1,408$704$117
Mississippi$1,596$798$133
Missouri$1,850$925$154
Montana$1,504$752$125
Nebraska$1,368$684$114
Nevada$1,960$980$163
New Hampshire$1,096$548$91
New Jersey$1,986$993$166
New Mexico$1,346$673$112
New York$1,898$949$158
North Carolina$1,024$512$85
North Dakota$1,356$678$113
Ohio$1,140$570$95
Oklahoma$1,808$904$151
Oregon$1,532$766$128
Pennsylvania$1,574$787$131
Rhode Island$2,030$1,015$169
South Carolina$1,370$685$114
South Dakota$1,682$841$140
Tennessee$1,558$779$130
Texas$1,520$760$127
Utah$1,434$717$120
Vermont$1,194$597$100
Virginia$1,090$545$91
Washington$1,478$739$123
West Virginia$1,460$730$122
Wisconsin$1,172$586$98
Wyoming$1,454$727$121

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Kia Niro, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Kia Niro trim levels. Physical damage deductibles are $500 and rates are averaged for all Zip Codes in each state.Data last updated on May 5, 2023
Kia Niro insurance rates by U.S. state

Additional Rates and Policy Information

Some additional rates for different scenarios as well as some ideas for keeping car insurance costs down are as follows:

  • Avoiding accidents makes for cheaper insurance. Having frequent accidents may increase rates, to the tune of $2,306 per year for a 20-year-old driver and even as much as $686 per year for a 40-year-old driver.
  • Raising deductibles makes insurance more affordable. Raising your policy deductibles from $500 to $1,000 could save around $228 per year for a 40-year-old driver and $446 per year for a 20-year-old driver.
  • Low deductibles makes insurance more expensive. Dropping your physical damage deductibles from $500 to $250 could cost an additional $240 per year for a 40-year-old driver and $470 per year for a 20-year-old driver.
  • Tickets and violations can cost a lot. In order to have the lowest-priced Niro insurance rates, it’s necessary to follow traffic laws. As few as two moving violations have the ramification of raising Niro insurance cost as much as $434 per year.
  • Policy discounts equal cheaper Niro insurance rates. Discounts may be available if the insured drivers are good students, insure their home and car with the same company, drive a vehicle with safety or anti-theft features, take a defensive driving course, or many other policy discounts which could save the average driver as much as $280 per year.
  • Younger drivers pay higher rates. The difference in insurance cost for a Kia Niro between a 60-year-old driver ($1,466 per year) and a 20-year-old driver ($3,258 per year) is $1,792, or a savings of 75.9%.
  • Credit ratings can impact car insurance rates. In states that allow an insured’s credit rating to be used as a pricing factor, drivers with high 800+ credit scores could save a minimum of $257 per year compared to a rating of 670-739. Conversely, a lesser credit score could cost up to $298 more per year.