Estimates, not quotes

Kia Niro vs Mitsubishi Outlander Insurance Cost

The Mitsubishi Outlander is cheaper to insure by about $50 a year for full coverage by our estimate ($1,725 vs. $1,675), 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

CoverageKia NiroMitsubishi OutlanderDifference
State minimum$695$655+$40
Standard (100/300/100)$1,005$950+$55
Full coverage$1,725$1,675+$50

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

Why one costs more to insure

FactorKia NiroMitsubishi Outlander
SegmentSmall SUVSmall SUV
PowertrainsHybrid, Plug-in hybrid, ElectricGasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)108116
HLDI comprehensive99103
HLDI property damage liability107107
HLDI bodily injury liability143125
NHTSA overall rating4★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)12

Collision losses are the biggest swing factor: the Mitsubishi Outlander has 8 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Niro vs Outlander insurance by state

StateNiroOutlanderDifference
Alabama$1,500$1,460+$40
Alaska$1,510$1,470+$40
Arizona$1,810$1,755+$55
Arkansas$1,510$1,475+$35
California$1,690$1,645+$45
Colorado$1,955$1,895+$60
Connecticut$1,840$1,780+$60
Delaware$1,940$1,870+$70
District of Columbia$2,175$2,110+$65
Florida$2,485$2,390+$95
Georgia$2,150$2,070+$80
Hawaii$1,190$1,155+$35
Idaho$1,170$1,135+$35
Illinois$1,495$1,450+$45
Indiana$1,225$1,190+$35
Iowa$1,160$1,130+$30
Kansas$1,370$1,335+$35
Kentucky$1,455$1,410+$45
Louisiana$2,390$2,315+$75
Maine$1,095$1,065+$30
Maryland$1,940$1,880+$60
Massachusetts$1,695$1,650+$45
Michigan$1,880$1,825+$55
Minnesota$1,435$1,395+$40
Mississippi$1,645$1,600+$45
Missouri$1,560$1,515+$45
Montana$1,365$1,330+$35
Nebraska$1,370$1,335+$35
Nevada$2,000$1,925+$75
New Hampshire$1,225$1,195+$30
New Jersey$2,095$2,020+$75
New Mexico$1,545$1,500+$45
New York$2,330$2,245+$85
North Carolina$1,280$1,250+$30
North Dakota$1,090$1,070+$20
Ohio$1,230$1,195+$35
Oklahoma$1,545$1,505+$40
Oregon$1,560$1,505+$55
Pennsylvania$1,500$1,460+$40
Rhode Island$2,095$2,025+$70
South Carolina$1,855$1,785+$70
South Dakota$1,300$1,270+$30
Tennessee$1,430$1,390+$40
Texas$2,035$1,980+$55
Utah$1,575$1,520+$55
Vermont$1,115$1,090+$25
Virginia$1,485$1,440+$45
Washington$1,510$1,460+$50
West Virginia$1,435$1,395+$40
Wisconsin$1,175$1,140+$35
Wyoming$1,330$1,300+$30

By driver profile (full coverage)

DriverNiroOutlander
Teen driver (18, own policy)$4,750$4,605
Young adult (22)$2,765$2,680
Adult in their 30s$1,725$1,675
Adult in their 50s$1,590$1,540
Senior (72)$1,935$1,875
30s, one at-fault accident$2,505$2,430
30s, DUI on record$3,195$3,100

More comparisons

Frequently asked questions

Is the Kia Niro or the Mitsubishi Outlander cheaper to insure?

By our estimate the Mitsubishi Outlander is cheaper, by about $50 a year for full coverage ($1,725 vs. $1,675) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Kia Niro and Mitsubishi Outlander?

Mostly because of insurance-loss history: HLDI collision indices of 108 vs. 116 and comprehensive indices of 99 vs. 103 (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