Compare the Cost of Kia Niro Insurance by Model Year and Company

MoneyGeek’s research found that car insurance for a Kia Niro costs $1,631 per year on average. It’s expensive to insure a Kia Niro since its average insurance cost is higher than the average car insurance rate. However, rates can change depending on your insurance company and your car’s model year.

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Last Updated: 10/31/2022
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Since different insurers have different rates, it pays to shop around when you’re looking to insure your Kia Niro. Comparing offers from various companies can help you find the best deal in terms of cost and service. Keep in mind that insurance quotes for your Kia Niro change depending on your car’s model year.

Key Takeaways for Kia Niro Insurance

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On average, it costs $1,631 per year to insure a Kia Niro, which is $204 more expensive to insure compared to the average car insurance cost.

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The average cost of insuring a Kia Niro can change by as much as $1,614 per year depending on the provider.

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Kia Niro insurance costs may change based on the model year of your car. Older models generally have lower rates.

How Much It Costs to Insure a Kia Niro and the Cheapest Company

The insurance provider you choose can have a huge effect on your car insurance rates. On average, it costs $1,631 per year to insure a Kia Niro.

USAA provides the cheapest car insurance for a Kia Niro at an average rate of $1,020 per year. This is $1,102 less than the most expensive provider, GEICO. However, USAA policies are only available to military families.

State Farm offers the cheapest widely available car insurance for a Kia Niro at $1,242 per year on average.

The Average Annual Cost of Kia Niro Insurance by Company

In this guide, MoneyGeek gathered car insurance rates for a 40-year-old male sample driver with a 100/300/100 liability insurance policy with comprehensive and collision coverages.

The Average Cost to Insure a Kia Niro by Company

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Insurance Rates

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Is a Kia Niro Expensive to Insure?

Insurance companies consider various factors when determining car insurance rates. They evaluate a car’s model year, type and theft rate, among many other criteria.

The Kia Niro is an electric car, which means it comes with high repair costs. As a result, the Kia Niro is more expensive to insure compared to the average vehicle.

The Best Car Insurance Company for a Kia Niro

When buying car insurance for a Kia Niro, you should not base your decision solely on a policy’s cost. You should also look into other factors that affect an insurer’s overall value proposition.

Beyond affordability, MoneyGeek evaluates car insurance offers based on customer complaints, customer satisfaction and financial stability. Our analysis reveals that:

  • USAA is the best car insurance provider for a Kia Niro, but it’s only available to military members and their families.
  • State Farm is the best widely available car insurance provider for a Kia Niro.

1
USAA
Score:99

5/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
State Farm
Score:88

4.7/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
Nationwide
Score:87

4.6/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

4
Progressive
Score:83

4.5/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

5
Allied
Score:NaN

4.3/5

Affordability

#N/A

Claims Ratings

#N/A

User Satisfaction

#N/A

Financial Stability

6
Allstate
Score:79

3.9/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

7
GEICO
Score:68

3/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

How Much It Costs to Insure a Kia Niro by Model Year

It’s cheaper to insure older car models since comprehensive and collision insurance becomes less expensive as the car’s value depreciates. Currently, Kia Niro has only one model year available.

On average, insuring a 2020 Kia Niro costs $1,631 per year. USAA has the cheapest offer for the same model with an average annual rate of $1,020.

You can view the cheapest insurers for your model year below.

The Average Cost to Insure a Kia Niro by Model Year

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How Expensive Is It to Insure a Kia Niro Compared to Other Cars?

Compared to the average car insurance cost, a Kia Niro is expensive to insure since it’s an electric car. On average, car insurance for a Kia Niro costs $1,631 per year, which is $204 more than the average insurance rate across all vehicles.

How Much It Costs to Insure a Kia Niro for 16- to 25-Year-Olds

Because of their relative lack of driving experience, car insurance rates for younger drivers are significantly more expensive regardless of the car they drive.

The average cost of car insurance for an 18-year-old driver with a Kia Niro is $5,324 per year. That’s $3,693 more expensive than what a 40-year-old driver pays for the same car.

Teenage drivers can save money by being on the same policy as their parents. It can be expensive for teenage drivers to buy car insurance on their own.

Find the cost of car insurance for drivers aged 16 to 25 below.

The Average Cost to Insure a Kia Niro by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $6,826
  • 17
    $6,047
  • 18
    $5,324
  • 19
    $3,813
  • 20
    $3,404
  • 21
    $2,694
  • 22
    $2,482
  • 23
    $2,271
  • 24
    $2,132
  • 25
    $1,934
  • 40
    $1,631

How Does Location Affect the Cost of Kia Niro Insurance?

The car insurance rates quoted in this guide are based on a national average, and your average car insurance rates can change depending on where you live. You can learn more about how car insurance varies across individual states using our state page analysis.

FAQs About Kia Niro Insurance

The model of the car you’re driving significantly affects the cost of your car insurance, but insurers also evaluate other factors to determine your average rate. We answered some frequently asked questions about insuring a Kia Niro.

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About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.