Kia Niro insurance group

Find out which insurance group the Kia Niro falls under, how much it costs to insure and how to drive down your car insurance premiums.

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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 £731 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 £781 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.

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
1 1.6 GDi 1.56kWh lithium-ion 139bhp 6DCT auto 5d 12 £1,281 £743 £651 £525 Get Quote
2 1.6 GDi 1.56kWh lithium-ion 139bhp DCT auto Self-Charging Hybrid 5d 11 £1,261 £731 £641 £517 Get Quote
2 1.6 GDi 1.56kWh lithium-ion 139bhp 6DCT auto 5d 12 £1,281 £743 £651 £525 Get Quote
Plug-In Hybrid 2 1.6 GDi 8.9kWh lithium-ion 139bhp DCT auto 5d 14 £1,325 £768 £673 £543 Get Quote
First Edition 1.6 GDi 1.56kWh lithium-ion 139bhp 6DCT auto 5d 12 £1,281 £743 £651 £525 Get Quote
4 1.6 GDi 1.56kWh lithium-ion 139bhp DCT auto 5d 12 £1,281 £743 £651 £525 Get Quote
4 1.6 GDi 1.56kWh lithium-ion 139bhp DCT auto Self-Charging Hybrid 5d 13 £1,302 £756 £662 £534 Get Quote
3 1.6 GDi 1.56kWh lithium-ion 139bhp DCT auto Self-Charging Hybrid 5d 12 £1,281 £743 £651 £525 Get Quote
PHEV 1.6 GDi 8.9kWh lithium-ion 139bhp DCT auto 5d 13 £1,302 £756 £662 £534 Get Quote
3 1.6 GDi 1.56kWh lithium-ion 139bhp 6DCT auto 5d 14 £1,325 £768 £673 £543 Get Quote
PHEV 1.6 GDi 8.9kWh lithium-ion 139bhp DCT auto 07/19- 5d 15 £1,346 £781 £684 £552 Get Quote

    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: £895 (London SE1)
    • Average: £756 (Newcastle NE1)
    • Cheap: £549 (Galashiels TD1)

    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 £879 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 £743. 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 £1,528 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 £801. 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:

    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

    *51% of consumers could save £257.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2021 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
    The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

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