Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Kia Niro? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Kia Niro insurance facts

  • Average full coverage auto insurance premium: $186/month

  • Most affordable companies: Erie Insurance ($130/month) & American Family ($136/month)

  • Niro car insurance cost vs. average rates: $41 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Kia Niro by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Kia Niro insurer costs by state:

Risk factors affecting Kia Niro coverage rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Kia Niro insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Kia models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Kia automobile brand

Kia Corporation is a South Korean multinational automaker specializing in affordable sport utility vehicles (SUVs) and exceptional reliability for the United States market. Kia is the second-largest auto manufacturer in South Korea after Hyundai. The target audience of Kia is young couples that are physically active with a high interest in new technology. All Kia automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Kia Forte, Kia Soul, Optima, and Kia Sorento are some of their most popular vehicles.

High Kia Niro repair costs equal high coverage rates

Many consumers are attracted to Kia’s high-tech innovations and features, increased value for the money, and driver-assist technologies, like Kia’s DriveWise safety features. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Kia is higher than average since repair parts are slightly more expensive. For this reason, many Kias are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Kia Niro affecting auto policies

Another factor to consider for Kia is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Kia models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Kia IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Kias are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Kia’s DriveWise technology innovations and safety, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Kia models. The Kia Forte, Stinger, Sportage, and Sorento are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Kia automobiles top safety ratings each year lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Kia automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Kia Niro

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2431
Acuity$2480
Allied$1921
Allstate$2046
American Family$1624
Arbella$1940
Country Financial$2148
Erie$1560
GEICO$1704
Kentucky Farm Bureau$2268
Liberty Mutual$1780
Mercury$1856
Nationwide$1936
Progressive$1719
State Farm$1635
Texas Farm Bureau$1997
The Hanover$2348
Travelers$2091

Compare all 2021 Kia Niro rates

Average Cost to Insure Per Year

$2263

List Price

$24690

Trims Available

FE - LX - EX - Touring Launch Edition - Touring - Base Engine:1.6-liter four-cylinder gasoline engine and an electric motor with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2020 Kia Niro

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2390
Allied$1835
Allstate$2031
American Family$1590
Arbella$1906
Country Financial$2135
Erie$1529
GEICO$1653
Kentucky Farm Bureau$2240
Liberty Mutual$1711
Mercury$1788
Nationwide$1869
State Farm$1606
Texas Farm Bureau$1936
The Hanover$2315
Travelers$2065

Compare all 2020 Kia Niro rates

Average Cost to Insure Per Year

$2260

List Price

$24590

Trims Available

FE - LX - EX - Touring Launch Edition - Touring - Base Engine:1.6-liter four-cylinder gasoline engine and an electric motor with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2019 Kia Niro

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2318
Allied$1690
Allstate$1962
American Family$1490
Arbella$1799
Country Financial$2090
Erie$1455
GEICO$1570
Kentucky Farm Bureau$2234
Liberty Mutual$1623
Mercury$1658
Nationwide$1711
State Farm$1540
Texas Farm Bureau$1870
The Hanover$2260
Travelers$2030

Compare all 2019 Kia Niro rates

Average Cost to Insure Per Year

$2254

List Price

$23490

Trims Available

FE - LX - EX - Touring Launch Edition - Touring - Base Engine:1.6-liter four-cylinder gasoline engine and an electric motor with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2018 Kia Niro

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2264
Allied$1650
Allstate$1925
American Family$1488
Arbella$1785
Country Financial$2087
Erie$1435
GEICO$1569
Kentucky Farm Bureau$2196
Liberty Mutual$1590
Mercury$1643
Nationwide$1706
State Farm$1537
Texas Farm Bureau$1864
The Hanover$2243
Travelers$2016

Compare all 2018 Kia Niro rates

Average Cost to Insure Per Year

$2253

List Price

$23340

Trims Available

FE - LX - EX - Touring Launch Edition - Touring - Base Engine:1.6-liter four-cylinder gasoline engine and an electric motor with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2017 Kia Niro

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1170
Acuity$ 1170
Allied$ 1072
Allied$ 1072
Arbella$ 1202
Arbella$ 1202
Erie$ 1042
Erie$ 1042
GEICO$ 1110
GEICO$ 1110
Nationwide$ 1188
Nationwide$ 1188
Plymouth Rock Insurance$ 1041
Plymouth Rock Insurance$ 1041
Progressive$ 1144
Progressive$ 1144
State Farm$ 1153
State Farm$ 1153
Tennessee Farmers$ 867
Tennessee Farmers$ 867
USAA$ 1049
USAA$ 1049
Vermont Mutual$ 1024
Vermont Mutual$ 1024

Compare all 2017 Kia Niro rates

Average Cost to Insure Per Year

$ 2164

List Price

$ 22890

Trims Available

FE - LX - EX - Touring Launch Edition - Touring