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 $1,682 per year, or $140 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 $1,578 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.

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 August 12, 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$2,886$241
$500$3,344$279
$250$3,826$319
30$1,000$1,502$125
$500$1,760$147
$250$2,026$169
40$1,000$1,446$121
$500$1,682$140
$250$1,926$161
50$1,000$1,324$110
$500$1,536$128
$250$1,756$146
60$1,000$1,298$108
$500$1,506$126
$250$1,722$144

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 31st 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.

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 August 11, 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$1,370-$312
2Subaru Crosstrek$1,380-$302
3Nissan Kicks$1,386-$296
4Nissan Rogue Sport$1,412-$270
5Mazda CX-5$1,422-$260
6Buick Encore$1,442-$240
7Buick Envision$1,446-$236
8Kia Seltos$1,466-$216
9Hyundai Venue$1,478-$204
10Honda HR-V$1,508-$174
11Hyundai Kona$1,518-$164
12Subaru Forester$1,526-$156
13Honda CR-V$1,534-$148
14Mazda CX-30$1,538-$144
15Chevrolet Trax$1,558-$124
16Volkswagen Tiguan$1,572-$110
17Ford Bronco Sport$1,576-$106
18Fiat 500X$1,606-$76
19GMC Terrain$1,608-$74
20Kia Soul$1,614-$68
21Mitsubishi Eclipse Cross$1,616-$66
22Chevrolet Equinox$1,630-$52
23Toyota Corolla Cross$1,634-$48
24Volkswagen Taos$1,640-$42
25Mazda CX-50$1,652-$30
26Hyundai Tucson$1,656-$26
27Ford Escape$1,660-$22
28Nissan Rogue$1,666-$16
29Toyota RAV4$1,676-$6
30Mazda MX-30$1,680-$2
31Kia Niro$1,682--
32Mini Cooper$1,690$8
33Jeep Compass$1,700$18
34Mini Cooper Clubman$1,720$38
35Jeep Renegade$1,746$64
36Chevrolet Bolt$1,756$74
37Toyota bz4X$1,758$76
38Kia Sportage$1,810$128
39Hyundai Ioniq 5$1,814$132
40Mini Cooper Countryman$1,860$178
41Mitsubishi Mirage$1,868$186
42Mitsubishi Outlander$1,872$190
43Volkswagen ID4$1,880$198
44Kia EV6$1,920$238
45Dodge Hornet$1,922$240
46Hyundai Nexo$1,990$308
47Ford Mustang Mach-E$2,048$366

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.

2023 Kia Niro Insurance Cost by Trim Level
Kia Niro Trim Level Annual Policy Six-Month Policy Per Month
LX$1,578$789$132
EX$1,632$816$136
EX Touring$1,672$836$139
SX$1,688$844$141
EX Plug-in Hybrid$1,704$852$142
SX Touring$1,722$861$144
SX Touring Plug-in Hybrid$1,774$887$148

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 August 11, 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 $1,132 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.

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 August 12, 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$2,922$244
Philadelphia, PA$2,600$217
Las Vegas, NV$2,590$216
Los Angeles, CA$2,584$215
San Francisco, CA$2,242$187
Kansas City, MO$2,000$167
Oklahoma City, OK$2,000$167
Denver, CO$1,962$164
Memphis, TN$1,962$164
Atlanta, GA$1,936$161
San Jose, CA$1,882$157
Phoenix, AZ$1,834$153
Portland, OR$1,810$151
San Diego, CA$1,800$150
Boston, MA$1,796$150
Jacksonville, FL$1,784$149
Chicago, IL$1,744$145
Dallas, TX$1,718$143
Houston, TX$1,708$142
Seattle, WA$1,702$142
Nashville, TN$1,640$137
Milwaukee, WI$1,632$136
Albuquerque, NM$1,600$133
San Antonio, TX$1,554$130
Omaha, NE$1,510$126
Fort Worth, TX$1,504$125
Austin, TX$1,484$124
Indianapolis, IN$1,354$113
Columbus, OH$1,248$104
Charlotte, NC$1,198$100

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.

Kia Niro Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,512$756$126
Alaska$1,274$637$106
Arizona$1,536$768$128
Arkansas$1,752$876$146
California$2,016$1,008$168
Colorado$1,794$897$150
Connecticut$1,862$931$155
Delaware$1,900$950$158
Florida$2,070$1,035$173
Georgia$1,710$855$143
Hawaii$1,152$576$96
Idaho$1,204$602$100
Illinois$1,472$736$123
Indiana$1,258$629$105
Iowa$1,132$566$94
Kansas$1,650$825$138
Kentucky$1,792$896$149
Louisiana$1,980$990$165
Maine$1,020$510$85
Maryland$1,556$778$130
Massachusetts$1,820$910$152
Michigan$2,262$1,131$189
Minnesota$1,444$722$120
Mississippi$1,632$816$136
Missouri$1,886$943$157
Montana$1,540$770$128
Nebraska$1,406$703$117
Nevada$1,994$997$166
New Hampshire$1,132$566$94
New Jersey$2,020$1,010$168
New Mexico$1,382$691$115
New York$1,932$966$161
North Carolina$1,060$530$88
North Dakota$1,390$695$116
Ohio$1,178$589$98
Oklahoma$1,846$923$154
Oregon$1,566$783$131
Pennsylvania$1,610$805$134
Rhode Island$2,068$1,034$172
South Carolina$1,408$704$117
South Dakota$1,718$859$143
Tennessee$1,594$797$133
Texas$1,556$778$130
Utah$1,470$735$123
Vermont$1,228$614$102
Virginia$1,124$562$94
Washington$1,514$757$126
West Virginia$1,494$747$125
Wisconsin$1,206$603$101
Wyoming$1,488$744$124

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 August 11, 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 $2,366 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.