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.
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.
