Honda CR-V vs Kia Niro Insurance Cost
The Honda CR-V is cheaper to insure by about $525 a year for full coverage by our estimate ($1,200 vs. $1,725), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Honda CR-V | Kia Niro | Difference |
|---|---|---|---|
| State minimum | $495 | $695 | −$200 |
| Standard (100/300/100) | $720 | $1,005 | −$285 |
| Full coverage | $1,200 | $1,725 | −$525 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = CR-V minus Niro.
Why one costs more to insure
| Factor | Honda CR-V | Kia Niro |
|---|---|---|
| Segment | Small SUV | Small SUV |
| Powertrains | Gasoline, Hybrid, Hydrogen fuel cell | Hybrid, Plug-in hybrid, Electric |
| HLDI collision (100 = avg) | 63 | 108 |
| HLDI comprehensive | 65 | 99 |
| HLDI property damage liability | 66 | 107 |
| HLDI bodily injury liability | 80 | 143 |
| NHTSA overall rating | 5★ | 4★ |
| NICB most-stolen rank | #9 | Not in top 10 |
| Recalls (latest 3 model years) | 5 | 1 |
Collision losses are the biggest swing factor: the Kia Niro has 45 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Honda CR-V. The Honda CR-V appears on the NICB most-stolen list, adding to comprehensive costs.
CR-V vs Niro insurance by state
By driver profile (full coverage)
| Driver | CR-V | Niro |
|---|---|---|
| Teen driver (18, own policy) | $3,305 | $4,750 |
| Young adult (22) | $1,920 | $2,765 |
| Adult in their 30s | $1,200 | $1,725 |
| Adult in their 50s | $1,105 | $1,590 |
| Senior (72) | $1,345 | $1,935 |
| 30s, one at-fault accident | $1,740 | $2,505 |
| 30s, DUI on record | $2,220 | $3,195 |
More comparisons
Frequently asked questions
Is the Honda CR-V or the Kia Niro cheaper to insure?
By our estimate the Honda CR-V is cheaper, by about $525 a year for full coverage ($1,200 vs. $1,725) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Honda CR-V and Kia Niro?
Mostly because of insurance-loss history: HLDI collision indices of 63 vs. 108 and comprehensive indices of 65 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.