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Kia Niro insurance rates

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The Kia Niro is an SUV that’s expensive to insure. The expected average cost of auto insurance for the Kia Niro is $140 a month or $1,680 a year. With a starting MSRP of $32,790, that makes the price-to-cost ratio 5.12%, compared to the national average of 3%. However, your actual cost may vary depending on your location, driving history, Niro trim and options and other factors

Insurance rates for the Kia Niro are based on theft rates, vehicle performance, repair costs and other factors that vary between makes and models. Here’s how the Niro compares to other vehicles.

  • Type of car. The Kia Niro is an SUV, which tend to be pricier to insure.
  • Theft. Theft rates for this car are low, which may lower the cost of insurance.
  • Repairs. Repairs for this car are average, which typically leads to average insurance premiums.
  • Safety ratings. This car has good safety ratings, which typically makes cars cheaper to insure.
  • Fuel type. Cars with gas engines are usually slightly cheaper to insure than other fuel types.
  • Trim. Generally, your insurance goes up when you opt for a pricier trim level or more features upgrades. Popular trim levels for this model include the LX, LXS, Touring, Touring SE, EX Premium trim, depending on the model year.
  • Coverage. For an SUV, you might consider a policy with your state’s required coverage with high liability limits plus collision and comprehensive coverage. And the more coverage you have, the higher your insurance rates.
  • Warranty. New Niros come with a 60 months / 60,000 miles warranty from Kia plus roadside assistance.
  • Manufacturer deals. Currently, Kia is offering reduced price on lease. You can also find other financing deals from Kia by checking with your local dealer.
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Allstate
Yes
Yes
Drivewise
Yes
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Root
No
Yes
Telematics only
Yes
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
The AARP Auto Insurance Program from the Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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What discounts does the Niro qualify for?

You could save money on car insurance for your Kia Niro if it comes equipped with certain safety features.

  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount
  • Safety device discount

Kia Niro safety and reliability ratings

The Kia Niro scores 4 stars from the NHTSA, which means its safety is relatively low. Cars with high safety ratings are usually cheaper to insure because they’re easier to repair and safer in a car crash.

Compare the Niro to similar cars

Kia Niro electric

Insurance rates for the Niro electric are based on theft rates, vehicle performance, repair costs and other factors that vary between makes and models. Here’s how the Niro electric compares to other vehicles.

  • Type of car. The Niro electric is an SUV, which tend to be pricier to insure.
  • Theft. Theft rates for this car are low, which may lower the cost of insurance.
  • Repairs. Repairs for this car are average, which typically leads to average insurance premiums.
  • Safety ratings. This car has good safety ratings, which typically makes cars cheaper to insure.
  • Fuel type. Cars with hybrid engines are usually slightly more expensive to insure than other fuel types.
  • Trim. Generally, your insurance goes up when you opt for a pricier trim level or more features upgrades. Popular trim levels for this model include the EX, EX Premium trim, depending on the model year.
  • Coverage. For an SUV, you might consider a policy with your state’s required coverage with high liability limits plus collision and comprehensive coverage. And the more coverage you have, the higher your insurance rates.
  • Warranty. New Niro electrics come with a 60 months / 60,000 miles warranty from plus roadside assistance.
  • Manufacturer deals. Currently, is offering reduced price on lease. You can also find other financing deals from by checking with your local dealer.

Find out how other Kia models compare or explore vehicles similar to the Niro.
Compare all car makes and models

Bottom line

The Kia Niro is an SUV with low theft rates and average maintenance, making it expensive to insure. Compare car insurance quotes to find the best price for the coverage you need for your Kia Niro.

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