Kia Niro Car Insurance Rates for 2023

• Kia Niro insurance cost averages $1,682 per year, or $140 per month for full coverage.
• The Niro ranks 31^st 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 $1,578 per year. The most expensive is the Niro SX Touring Plug-in Hybrid at $1,774 annually.
• Kia Niro insurance rates in a few larger cities include $2,000 in Kansas City, MO, $2,584 in Los Angeles, CA, and $2,484 in Louisville, KY.

How much does Kia Niro insurance cost?

Kia Niro car insurance costs an average of $1,682 a year, or $140 on a monthly basis. With the average small SUV costing $1,649 a year to insure, the Kia Niro would cost an estimated $33 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 $1,298 per year for a 60-year-old driver with $1,000 comprehensive and collision deductibles to the highest policy cost of $3,826 each year for a 20-year-old driver with a deductible of $250.

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 $1,506 up to the average rate for a 20-year-old driver of $3,344 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 $6,192 while a 16-year-old female would pay about $5,462. By age 18, rates drop to around $5,344 for males and $4,632 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, $148 more than the Honda CR-V, $52 more than the Chevrolet Equinox, and $16 more than the Nissan Rogue.

The Kia Niro ranks 31^st out of 47 total comparison vehicles in the small SUV segment. The Niro costs an average of $1,682 per year to insure and the class median average cost is $1,649 per year, a difference of $33 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.

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 $260 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 $190 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 $128 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 $1,578 per year, or about $132 per month. The second cheapest model is the EX also at $1,632 per year, and the third cheapest model to insure is the EX Touring at $1,672 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 $1,704,  $1,722, and $1,774 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.

Kia Niro average insurance cost by location

The insurance cost for a Kia Niro can fluctuate significantly, from cheaper rates like $1,132 a year in Virginia Beach, VA, or $1,062 in Raleigh, NC, to high rates like $2,584 a year in Los Angeles, CA, and $2,872 in New Orleans, LA.

Cost in additional cities include car insurance rates in Houston, TX, averaging $1,708 per year, Louisville, KY, costing $2,484, Austin, TX, at $1,484, and Tulsa, OK, at $2,012.

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

When evaluating Kia Niro insurance rates at the state level, states like Iowa ($1,132), Virginia ($1,124), and Maine ($1,020) tend to have cheaper car insurance rates, while states like Michigan ($2,262) and Louisiana ($1,980) have more expensive Niro insurance rates.

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

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 $2,366 per year for a 20-year-old driver and even as much as $706 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 $236 per year for a 40-year-old driver and $458 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 $244 per year for a 40-year-old driver and $482 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 $448 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 $288 per year.
• Younger drivers pay higher rates. The difference in insurance cost for a Kia Niro between a 60-year-old driver ($1,506 per year) and a 20-year-old driver ($3,344 per year) is $1,838, or a savings of 75.8%.
• 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 $264 per year compared to a rating of 670-739. Conversely, a lesser credit score could cost up to $306 more per year.