KIA Niro Car Insurance Cost

Getting insurance for a KIA Niro usually costs around $1,516 per year with USAA. However, the actual price can vary based on factors such as your age, the car’s model year, and other relevant considerations. You can check our quote tables below to get an idea of how much it might cost for you.

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Updated: 31 March 2024
Written by
Bob Phillips
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If you’re considering purchasing a KIA Niro, it’s important to factor in the cost of insurance. Insurance plays a significant role in car ownership, so it’s crucial to have a good understanding of it before making a purchase.

Selecting the right car insurance is essential to avoid unexpected and potentially high expenses in the future. It’s vital to have adequate coverage in case of an accident to prevent substantial out-of-pocket expenses. Additionally, if you’re responsible for an accident, your insurance premiums could increase.

With over a decade of experience analyzing car insurance rates, I’ve observed the significant variation in costs. Factors such as your age, driving record, and location can all impact your insurance premiums.

How Much Does KIA Niro Car Insurance Cost?

Usually, USAA offers the best rate, averaging around $1,516 annually for comprehensive insurance coverage on a 2024 KIA Niro.

While USAA’s rate provides a good starting point, it’s crucial to understand that car insurance expenses can vary significantly due to several factors. These factors include where you live, your driving history, the age of your vehicle, and the level of coverage you choose. Having a clean driving record might lead to lower premiums, but a history of accidents or traffic violations could raise your costs.

Moreover, residing in urban areas with heavy traffic could result in higher rates compared to rural areas with less congestion. Your choice of coverage also impacts your premium; comprehensive coverage, which includes both comprehensive and collision coverage, typically costs more than basic liability coverage.

Insuranceopedia can help you compare quotes from different insurance providers to ensure you get the most suitable coverage for your requirements at the best price.

2024 KIA Niro Insurance Rates

Insurance Provider Average Annual Cost
USAA $1,516
Alliance United $1,714
California Capital $1,845
Mercury $1,918
Auto Club $1,965
CSAA $1,994
Metropolitan $2,244
Grange $2,272
State Farm $2,311
21st Century $2,437

2023 KIA Niro Insurance Rates

Insurance Provider Average Annual Cost
North Carolina Farm Bureau $738
Capital Insurance Group $865
Clearcover $950
Oregon Mutual $977
GMAC Insurance Group $977
Safeco $993
Texas Farm Bureau Group $1,037
Mutual Of Enumclaw $1,237
PEMCO $1,279
Plymouth Rock $1,400

2022 KIA Niro Insurance Rates

Insurance Provider Average Annual Cost
Kemper Auto Premier $204
NatGen Value $249
Kemper Auto | Infinity $293
Victoria $470
American National P $477
Direct Auto $809
Texas Farm Bureau Group $814
Countryway Insurance $883
Clearcover $924
Pekin Insurance $972

2021 KIA Niro Insurance Rates

Insurance Provider Average Annual Cost
Victoria $309
Safeco $417
Dairyland Broadform $462
Pekin Insurance $598
Buckeye Insurance Group $738
Capital Insurance Group $746
IMT Insurance Company $852
Erie $894
Partners Mutual Insurance Co $919
SECURA Insurance $960

2020 KIA Niro Insurance Rates

Insurance Provider Average Annual Cost
AssuranceAmerica Mobile Max $418
Safeco $446
American National P $566
Buckeye Insurance Group $585
Pekin Insurance $707
ALFA $701
Capital Insurance Group $828
Mercury Insurance $827
Ohio Mutual Ins Group $832
PEMCO $881

2019 KIA Niro Insurance Rates

Insurance Provider Average Annual Cost
National General Value $338
NatGen Value $422
SAFECO $449
American National P $486
Texas Farm Bureau Group $592
AssuranceAmerica $652
Mercury Insurance $851
ALFA $904
Buckeye Insurance Group $952
Clearcover $1,178

2018 KIA Niro Insurance Rates

Insurance Provider Average Annual Cost
Kemper Auto $284
Mercury Insurance $452
American National P&C $483
SAFECO $531
American National P $621
Ameriprise Group $655
Clearcover $742
Concord Group $748
MMG Insurance Company $809
New Jersey Manufacturers $859

2017 KIA Niro Insurance Rates

Insurance Provider Average Annual Cost
AssuranceAmerica $146
National General Value $301
Kemper Auto $376
Mercury Insurance $390
AssuranceAmerica Economy $673
Dairyland Auto 1 Month $749
American National P $819
Dairyland Scored $789
Texas Farm Bureau Group $819
AssuranceAmerica Elite $849

2016 KIA Niro Insurance Rates

Insurance Provider Average Annual Cost
State Farm $457
Home State Ins Group $1,650
Permanent General $1,794
Metropolitan $3,261
Mercury $3,299
Nationwide $4,249
Direct General Insurance $4,717
Safe Auto $5,137

Cost of KIA Niro Car Insurance By Age

Driver Age Good Driver Recent Accident Poor Credit
17 $4,877 $7,137 $8,335
18 $4,529 $6,640 $7,769
19 $4,004 $5,881 $6,863
20 $3,479 $5,114 $5,995
21 $2,927 $4,277 $5,027
22 $2,866 $4,191 $4,911
23 $2,507 $3,672 $4,269
24 $2,375 $3,474 $4,079
25 $2,024 $2,993 $3,515
30 $1,577 $2,336 $2,750
35 $1,503 $2,179 $2,545
40 $1,436 $2,107 $2,477
45 $1,381 $2,040 $2,389
55 $1,274 $1,889 $2,183
65 $1,350 $1,974 $2,296
75 $1,706 $2,454 $2,878

KIA Niro Car Insurance Rates By State

State Good Driver Recent Accident Poor Credit
Alabama $1,506 $2,227 $2,806
Alaska $1,237 $1,733 $1,703
Arizona $1,420 $2,054 $3,032
Arkansas $1,538 $2,455 $2,684
California $1,724 $3,052 $1,739
Colorado $1,608 $2,259 $2,869
Connecticut $2,067 $3,198 $4,063
Delaware $1,718 $2,297 $2,950
Florida $2,057 $2,824 $3,689
Hawaii $674 $910 $660
Idaho $1,162 $1,510 $1,854
Illinois $1,206 $1,832 $2,089
Indiana $1,233 $1,894 $2,140
Iowa $989 $1,332 $1,564
Kansas $1,323 $1,893 $2,208
Kentucky $1,883 $2,788 $3,267
Louisiana $2,408 $3,681 $3,993
Maine $918 $1,276 $1,872
Maryland $1,500 $2,149 $2,399
Massachusetts $1,203 $2,071 $1,205
Michigan $2,860 $4,393 $6,901
Minnesota $1,186 $1,563 $2,236
Mississippi $1,429 $2,049 $2,044
Missouri $1,324 $1,942 $2,520
Montana $1,353 $1,900 $2,217
Nebraska $1,151 $1,694 $1,843
Nevada $1,887 $2,809 $2,987
New Hampshire $1,316 $2,106 $2,641
New Jersey $1,455 $2,293 $3,016
New Mexico $1,478 $2,237 $2,287
New York $1,373 $1,732 $2,925
North Carolina $875 $1,487 $1,048
North Dakota $1,176 $1,798 $2,109
Ohio $1,053 $1,622 $1,654
Oklahoma $1,677 $2,404 $2,697
Oregon $1,531 $2,054 $2,438
Pennsylvania $1,264 $1,879 $2,187
Rhode Island $2,145 $3,113 $3,524
South Carolina $1,443 $2,001 $2,783
South Dakota $1,307 $1,869 $2,164
Tennessee $1,545 $2,248 $2,993
Texas $1,542 $2,238 $2,751
Utah $1,321 $1,841 $2,535
Vermont $990 $1,539 $1,660
Virginia $940 $1,452 $1,437
Washington $1,241 $1,693 $2,060
West Virginia $1,249 $1,830 $2,256
Wisconsin $1,248 $1,989 $2,254
Wyoming $1,190 $1,642 $1,741
Georgia $1,665 $2,475 $2,514

FAQs

Who has the cheapest car insurance for a KIA Niro?

In 2024, USAA will provide the cheapest car insurance option for the KIA Niro.

Which company offers the best car insurance for a KIA Niro?

We think that USAA offers the best car insurance for a KIA Niro because they have low rates, extensive coverage, and excellent customer service.

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