Kia Niro insurance group

The Kia Niro is an affordable hybrid crossover vehicle that has been manufactured by Kia since 2016. In this guide, you’ll learn how much it costs to insure based on the demographics of the driver and tips on how to reduce the cost of your car insurance.

What insurance group does the Kia Niro fall under?

Every vehicle you see on the road has been given a specific insurance group to help insurers determine the price of covering it. These groups range from 1 (cheapest to insure) to 50 (most expensive). You can find a Kia Niro in groups ranging from 11 to 15, meaning the car insurance will be on the cheap side.

However, the costs may vary slightly between the different Kia Niro models and what group they each fall in. As an example, a 30-year-old driver in an average postcode could pay around £692 for cover on a Kia Niro 2 1.6 GDi 1.56kWh lithium-ion 139bhp DCT auto self-charging hybrid 5d that is in insurance group 11 or around £668 for a Kia Niro PHEV 1.6 GDi 8.9kWh lithium-ion 139bhp DCT auto 07/19- 5d that is in insurance group 15. From this comparison, we can see the impact of premium pricing when one car is in a much higher insurance group.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: April 2024 (source: Confused).

Kia Niro insurance cost by location

The table above shows the average cost of Kia Niro insurance based on insurance groups and driver age. But there are a number of other factors that affect the cost of your car insurance premiums.

Your home address is one of the most significant of these factors. To show the potentially significant influence of your postcode, we have pulled together some average quotes for a 30-year-old living in three different locations. The quotes are for a Kia Niro PHEV 1.6 GDi 8.9kWh lithium-ion 139bhp DCT auto 5d.

• Expensive: £995 (London SE1)
• Average: £697 (Newcastle NE1)
• Cheap: £696 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: April 2024 (source: Confused).

Which factors affect my Kia Niro insurance rate?

Here are some more key factors that have the biggest impact on your insurance premium costs:

• Engine type and capacity. In general, the bigger the engine, the higher the cost of your insurance. However, in this case, all Kia Niro models have a 1.6-litre engine, so there’s no scope for comparison here.
• Driver location. Insurers will use previous claims data to determine the likelihood of someone from your neighbourhood making a claim on their car insurance policy. If you live in an area where motorists are more likely to make a claim, you’ll have to pay more. For example, a 30-year-old in central London may pay £1,179 for insurance for a Kia Niro 1 1.6 GDi 1.56kWh lithium-ion 139bhp 6DCT auto 5d, while the same 30-year-old in Newcastle may only pay £681. This pricing difference occurs because Londoners are statistically more likely to claim on their car insurance, compared to those living in Newcastle.
• Driver age. The youngest drivers are the most likely to claim on their car insurance, and that’s why they are charged higher premiums. As an example, the average 20-year-old driver in London may pay £3,460 for the Kia Niro 2 1.6 GDi 1.56kWh lithium-ion 139bhp 6DCT auto 5d, while the average 40-year-old Londoner will only pay £968. As you can see, in this example, the 20-year-old would have to pay almost double to insure a Kia Niro. This significant difference often occurs with cheaper and more expensive cars too.

Other factors that influence the cost of your insurance include the following:

• Your car’s safety rating score
• The model of your car
• The age of your car
• Your car’s security and any extra anti-theft precautions
• Annual miles driven
• Your car usage
• No claims discount
• Your marital status
• Your credit history and job

How can I save on my Kia Niro premiums?

When searching for insurance, it’s worth taking the time to find the best deal for a price that’s within your budget. To help you out, we have listed some tricks that can lower the cost of your premium.

• Reduce your annual mileage. Are there some journeys you can occasionally take by foot or public transport rather than using your car? If so, consider leaving your car at home. This will reduce your annual mileage, which can help to save on your premiums.
• Pay annually rather than monthly. Paying annually eliminates the possibility that you’ll be charged interest on monthly repayments.
• Install extra safety precautions. When you add extra safety measures, you’ll be deemed a lower risk by insurers, and they’re quite likely to lower your premium as a result.
• Don’t blindly accept your renewal quote. Hunt for the best deal each year using a price comparison website. You may find that there are cheaper options out there!

Frequently asked questions

• What is the top speed of a Kia Niro?

  The fastest model of a Kia Niro can reach a top speed of 104 mph.

• Is the Kia Niro safe?

  The Kia Niro received a full five-star rating in its Euro NCAP crash tests, including a 91% rating for protecting adult occupants and 80% for protecting child occupants.

• How much car tax do I have to pay for the Kia Niro?

  The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Kia Niro?

  You can buy a Kia Niro at any dealership or online seller across the UK or second-hand from a current owner.

• What engine size is the Kia Niro?

  All Kia Niro models come with a 1.6-litre engine.

• Is the Kia Niro any good?

  The Kia Niro is an affordable crossover, which is relatively cheap to purchase, run and insure. There are plenty of better performers in its class though.

• Where can I find Kia Niro car insurance?

  You can compare the costs of Kia Niro car insurance using any price comparison website.

• Is a Kia Niro expensive to insure?

  No, the Kia Niro can be found in insurance groups ranging from 11 to 15, meaning it will be cheaper than the average vehicle to insure.