Ford Escape vs Kia Niro Insurance Cost

The Ford Escape is cheaper to insure by about $100 a year for full coverage by our estimate ($1,625 vs. $1,725), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Ford Escape	Kia Niro	Difference
State minimum	$705	$695	+$10
Standard (100/300/100)	$1,020	$1,005	+$15
Full coverage	$1,625	$1,725	−$100

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Escape minus Niro.

Why one costs more to insure

Factor	Ford Escape	Kia Niro
Segment	Small SUV	Small SUV
Powertrains	Gasoline, Hybrid, Plug-in hybrid, Flex-fuel	Hybrid, Plug-in hybrid, Electric
HLDI collision (100 = avg)	95	108
HLDI comprehensive	82	99
HLDI property damage liability	116	107
HLDI bodily injury liability	143	143
NHTSA overall rating	5★	4★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	17	1

Collision losses are the biggest swing factor: the Kia Niro has 13 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Ford Escape.

Escape vs Niro insurance by state

State	Escape	Niro	Difference
Alabama	$1,395	$1,500	−$105
Alaska	$1,420	$1,510	−$90
Arizona	$1,710	$1,810	−$100
Arkansas	$1,395	$1,510	−$115
California	$1,580	$1,690	−$110
Colorado	$1,820	$1,955	−$135
Connecticut	$1,755	$1,840	−$85
Delaware	$1,860	$1,940	−$80
District of Columbia	$2,040	$2,175	−$135
Florida	$2,400	$2,485	−$85
Georgia	$2,055	$2,150	−$95
Hawaii	$1,110	$1,190	−$80
Idaho	$1,100	$1,170	−$70
Illinois	$1,400	$1,495	−$95
Indiana	$1,145	$1,225	−$80
Iowa	$1,065	$1,160	−$95
Kansas	$1,260	$1,370	−$110
Kentucky	$1,370	$1,455	−$85
Louisiana	$2,260	$2,390	−$130
Maine	$1,020	$1,095	−$75
Maryland	$1,840	$1,940	−$100
Massachusetts	$1,600	$1,695	−$95
Michigan	$1,760	$1,880	−$120
Minnesota	$1,330	$1,435	−$105
Mississippi	$1,530	$1,645	−$115
Missouri	$1,455	$1,560	−$105
Montana	$1,255	$1,365	−$110
Nebraska	$1,265	$1,370	−$105
Nevada	$1,930	$2,000	−$70
New Hampshire	$1,145	$1,225	−$80
New Jersey	$2,005	$2,095	−$90
New Mexico	$1,445	$1,545	−$100
New York	$2,225	$2,330	−$105
North Carolina	$1,185	$1,280	−$95
North Dakota	$995	$1,090	−$95
Ohio	$1,150	$1,230	−$80
Oklahoma	$1,430	$1,545	−$115
Oregon	$1,490	$1,560	−$70
Pennsylvania	$1,395	$1,500	−$105
Rhode Island	$1,995	$2,095	−$100
South Carolina	$1,765	$1,855	−$90
South Dakota	$1,175	$1,300	−$125
Tennessee	$1,330	$1,430	−$100
Texas	$1,900	$2,035	−$135
Utah	$1,500	$1,575	−$75
Vermont	$1,025	$1,115	−$90
Virginia	$1,395	$1,485	−$90
Washington	$1,440	$1,510	−$70
West Virginia	$1,325	$1,435	−$110
Wisconsin	$1,090	$1,175	−$85
Wyoming	$1,205	$1,330	−$125

By driver profile (full coverage)

Driver	Escape	Niro
Teen driver (18, own policy)	$4,475	$4,750
Young adult (22)	$2,605	$2,765
Adult in their 30s	$1,625	$1,725
Adult in their 50s	$1,495	$1,590
Senior (72)	$1,820	$1,935
30s, one at-fault accident	$2,360	$2,505
30s, DUI on record	$3,010	$3,195

More comparisons

Frequently asked questions

Is the Ford Escape or the Kia Niro cheaper to insure?

By our estimate the Ford Escape is cheaper, by about $100 a year for full coverage ($1,625 vs. $1,725) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Ford Escape and Kia Niro?

Mostly because of insurance-loss history: HLDI collision indices of 95 vs. 108 and comprehensive indices of 82 vs. 99 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page