Kia Niro Car Insurance Rates for 2022

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

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  • Kia Niro insurance cost averages $1,480 per year, or $123 per month for full coverage.
  • The Niro ranks #31 out of 46 vehicles in the small SUV class for insurance affordability.
  • The cheapest Niro to insure is the LX trim level at an estimated $1,380 per year. The most expensive is the Niro EV EX at $1,582 annually.
  • Kia Niro insurance rates in a few larger cities include $1,866 in Kansas City, MO, $2,454 in Los Angeles, CA, and $2,352 in Louisville, KY.

How much does Kia Niro insurance cost?

Kia Niro car insurance costs an average of $1,480 a year, or $123 on a monthly basis. With the average small SUV costing $1,426 a year to insure, the Kia Niro would cost an estimated $54 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 $1,144 per year for a 60-year-old driver with $1,000 comprehensive and collision deductibles to the highest policy cost of $3,372 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 2022 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 November 28, 2022
Kia Niro Car Insurance Rates
Kia Niro Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,542$212
$500$2,946$246
$250$3,372$281
30$1,000$1,322$110
$500$1,550$129
$250$1,786$149
40$1,000$1,272$106
$500$1,480$123
$250$1,696$141
50$1,000$1,164$97
$500$1,350$113
$250$1,546$129
60$1,000$1,144$95
$500$1,326$111
$250$1,518$127

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 2022 Niro range from an average rate for a 60-year-old driver of $1,326 up to the average rate for a 20-year-old driver of $2,946 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 $5,456 while a 16-year-old female would pay about $4,808. By age 18, rates drop to around $4,708 for males and $4,082 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 $18 less per year than the Ford Escape, $144 more than the Honda CR-V, $56 more than the Chevrolet Equinox, and $12 less than the Nissan Rogue.

The Kia Niro ranks #31 out of 46 total comparison vehicles in the small SUV segment. The Niro costs an average of $1,480 per year to insure and the class median average cost is $1,426 per year, a difference of $54 per year.

The chart below shows how the cost to insure a 2022 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 46 vehicles in the small SUV segment.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 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 November 28, 2022
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
1Mazda CX-5$1,158-$322
2Nissan Kicks$1,190-$290
3Chevrolet Trailblazer$1,196-$284
4Subaru Crosstrek$1,224-$256
5Toyota C-HR$1,254-$226
6Buick Encore$1,260-$220
7Nissan Rogue Sport$1,272-$208
8Hyundai Venue$1,294-$186
9Buick Envision$1,298-$182
10Kia Seltos$1,300-$180
11Toyota Corolla Cross$1,310-$170
12Hyundai Kona$1,318-$162
13Subaru Forester$1,320-$160
14Volkswagen Tiguan$1,324-$156
15Honda CR-V$1,336-$144
16Mazda CX-30$1,350-$130
17Honda HR-V$1,370-$110
18Ford Ecosport$1,380-$100
19Chevrolet Trax$1,398-$82
20GMC Terrain$1,404-$76
21Mitsubishi Eclipse Cross$1,408-$72
22Hyundai Tucson$1,416-$64
23Chevrolet Bolt$1,420-$60
24Chevrolet Equinox$1,424-$56
25Volkswagen Taos$1,428-$52
26Fiat 500X$1,434-$46
27Toyota RAV4$1,440-$40
28Kia Soul$1,442-$38
29Mazda MX-30$1,472-$8
30Jeep Compass$1,478-$2
31Kia Niro$1,480--
32Nissan Rogue$1,492$12
33Ford Escape$1,498$18
34Hyundai Ioniq 5$1,514$34
35Mini Cooper Clubman$1,516$36
36Jeep Renegade$1,518$38
37Kia Sportage$1,524$44
38Ford Bronco$1,532$52
39Volkswagen ID4$1,554$74
40Mini Cooper$1,564$84
41Mini Cooper Countryman$1,582$102
42Mitsubishi Outlander$1,640$160
43Mitsubishi Mirage$1,658$178
44Ford Mustang Mach-E$1,726$246
45Hyundai Nexo$1,744$264
46Jeep Wrangler$1,746$266

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 $31,079, ranging from the cheapest LX model at $24,690 to the most expensive EV EX costing $39,990.

The four models closest in price to the Kia Niro for the 2022 model year are the Nissan Rogue, Volkswagen Tiguan, Mitsubishi Outlander, and Subaru Forester. 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 $126 more than the average cost for the Niro ($31,205 compared to $31,079). Insurance on the Nissan Rogue costs an average of $12 more than the Kia Niro.
  • Kia Niro vs. Volkswagen Tiguan – Having an average MSRP of $30,952 and ranging from $25,995 to $36,595, the 2022 Volkswagen Tiguan costs $127 less than the average sticker price for the Niro. Insuring a 2022 Kia Niro compared to the Volkswagen Tiguan costs an average of $156 more every 12 months.
  • Kia Niro vs. Mitsubishi Outlander – Having an average sticker price of $31,555 ($26,095 to $36,445), the Mitsubishi Outlander costs $476 more than the average cost of the Niro. The average insurance cost for a Kia Niro compared to the Mitsubishi Outlander is $160 less annually.
  • Kia Niro vs. Subaru Forester – Having an average sticker price of $30,524 ($25,195 to $35,295), the Subaru Forester costs $555 less than the average cost for the Niro. The average insurance cost for a Niro compared to the Subaru Forester is $160 more 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 $1,380 per year, or about $115 per month. The second cheapest model is the LXS also at $1,408 per year, and the third cheapest model to insure is the LXS Special Edition at $1,436 per year.

For higher Niro trim levels, the three highest cost models to insure are the Niro EX Plug-in Hybrid, the EX Premium Plug-in Hybrid, and the EV EX trim levels at $1,520,  $1,554, and $1,582 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.

2022 Kia Niro Insurance Cost by Trim Level
Kia Niro Trim Level Annual Policy 6-month Policy Per Month
LX$1,380$690$115
LXS$1,408$704$117
LXS Special Edition$1,436$718$120
LXS Plug-in Hybrid$1,468$734$122
Touring Special Edition$1,474$737$123
EX Premium$1,502$751$125
EX Plug-in Hybrid$1,520$760$127
EX Premium Plug-in Hybrid$1,554$777$130
EV EX$1,582$791$132

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 November 28, 2022
Kia Niro Insurance Cost by Trim Level

Will insurance cost more depending on where I live?

The insurance cost for a Kia Niro can fluctuate significantly, from cheaper rates like $996 a year in Virginia Beach, VA, or $922 in Raleigh, NC, to high rates like $2,454 a year in Los Angeles, CA, and $3,466 in New Orleans, LA.

Cost in additional cities include car insurance rates in Houston, TX, averaging $1,574 per year, Louisville, KY, costing $2,352, Austin, TX, at $1,348, and Tulsa, OK, at $1,880.

The next chart illustrates average Kia Niro car insurance cost in the larger urban areas in the U.S. Average policy cost ranges from $1,116 per year in Columbus, OH, to $2,796 in New York, NY, a difference of $1,680.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 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 November 28, 2022
Kia Niro Insurance Rates in Large U.S. Cities
Kia Niro Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,796$233
Philadelphia, PA$2,470$206
Los Angeles, CA$2,454$205
San Francisco, CA$2,110$176
Jacksonville, FL$2,102$175
San Jose, CA$1,750$146
Phoenix, AZ$1,700$142
San Diego, CA$1,666$139
Chicago, IL$1,608$134
Dallas, TX$1,580$132
Houston, TX$1,574$131
Indianapolis, IN$1,490$124
San Antonio, TX$1,416$118
Austin, TX$1,348$112
Columbus, OH$1,116$93

What are average Kia Niro insurance rates by state?

When evaluating Kia Niro insurance rates at the state level, states like Iowa ($1,070), Virginia ($956), and Maine ($1,024) tend to have cheaper car insurance rates, while states like Michigan ($2,358) and Louisiana ($2,146) have more expensive Niro insurance rates.

Car insurance rates in most states do not really trend toward either extreme, with states like Massachusetts, Texas, and West Virginia included in this group with average Kia Niro insurance rates of $1,212, $1,392, and $1,330 per year, respectively.

Kia Niro Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,206$603$101
Alaska$1,300$650$108
Arizona$1,318$659$110
Arkansas$1,584$792$132
California$1,696$848$141
Colorado$1,580$790$132
Connecticut$1,436$718$120
Delaware$1,504$752$125
Florida$2,164$1,082$180
Georgia$1,432$716$119
Hawaii$1,004$502$84
Idaho$1,166$583$97
Illinois$1,196$598$100
Indiana$1,106$553$92
Iowa$1,070$535$89
Kansas$1,490$745$124
Kentucky$1,722$861$144
Louisiana$2,146$1,073$179
Maine$1,024$512$85
Maryland$1,336$668$111
Massachusetts$1,212$606$101
Michigan$2,358$1,179$197
Minnesota$1,304$652$109
Mississippi$1,398$699$117
Missouri$1,572$786$131
Montana$1,442$721$120
Nebraska$1,416$708$118
Nevada$1,622$811$135
New Hampshire$892$446$74
New Jersey$1,398$699$117
New Mexico$1,186$593$99
New York$1,576$788$131
North Carolina$938$469$78
North Dakota$1,230$615$103
Ohio$862$431$72
Oklahoma$1,438$719$120
Oregon$1,240$620$103
Pennsylvania$1,246$623$104
Rhode Island$1,746$873$146
South Carolina$1,364$682$114
South Dakota$1,338$669$112
Tennessee$1,168$584$97
Texas$1,392$696$116
Utah$1,222$611$102
Vermont$982$491$82
Virginia$956$478$80
Washington$1,124$562$94
West Virginia$1,330$665$111
Wisconsin$1,004$502$84
Wyoming$1,358$679$113

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 November 28, 2022
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 $2,088 per year for a 20-year-old driver and even as much as $622 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 $208 per year for a 40-year-old driver and $404 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 $216 per year for a 40-year-old driver and $426 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 $394 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 $252 per year.
  • Younger drivers pay higher rates. The difference in insurance cost for a Kia Niro between a 60-year-old driver ($1,326 per year) and a 20-year-old driver ($2,946 per year) is $1,620, or a savings of 55%.
  • 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 $232 per year compared to a rating of 670-739. Conversely, a lesser credit score could cost up to $269 more per year.