Kia Niro Insurance Cost

Full coverage for a Kia Niro costs about $1,725 a year ($144/month) by our estimate — ▲ +8% versus the average vehicle, ranking 185th cheapest of 310 current models.

Kia Niro exterior (photo from Wikimedia Commons) — Photo: Alexander Migl, CC BY-SA 4.0

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

Kia Niro insurance cost at a glance

Full coverage

$1,725

$144/mo · $1,415–$2,040

Minimum liability

$695

$58/mo

Segment

Small SUV

Hybrid, Plug-in hybrid, Electric

HLDI collision losses

108

Worse than average (100 = avg)

NHTSA overall

★★★★☆

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2017–2027 model years of the Kia Niro.

Estimated Kia Niro premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$695	$58	$570–$820
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,005	$84	$825–$1,185
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,725	$144	$1,415–$2,040

What drives the cost of insuring a Kia Niro

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Kia Niro's results put our vehicle factor at 1.13× for liability, 1.06× for collision and 0.97× for comprehensive.

HLDI relative insurance losses — Kia Niro hybrid 4dr (Mini SUVs)
Coverage	Index	Rating	What it measures
Collision	108	Worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	99	Average	Theft, vandalism, glass, weather and animal damage
Property damage liability	107	Worse than average	Damage this car does to other vehicles and property
Bodily injury liability	143	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	126	Much worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	189	Much worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (3)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Kia Niro hybrid 4dr	108	99	107	143
Kia Niro electric 4dr	109	73	98	—
Kia Niro plug-in hybrid 4dr	91	85	92	—

Repair and parts costs: Small SUV — mainstream parts availability keeps repairs moderate.
Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
Safety: 4-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 1 NHTSA recall campaigns and 22 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Kia Niro trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPGe (comb.)	Range
Niro	FWD	1.6L 4-cyl Hybrid	50	—

Kia Niro insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPGe	Est. full / yr
2027	1.6L 4-cyl Hybrid	FWD	50	$1,725
2026	1.6L 4-cyl Hybrid, 1.6L 4-cyl Plug-in Hybrid, Electric	FWD	48–53	$1,695
2025	1.6L 4-cyl Hybrid, 1.6L 4-cyl Plug-in Hybrid, Electric	FWD	48–53	$1,660
2024	1.6L 4-cyl Hybrid, Electric	FWD	49–53	$1,630
2023	1.6L 4-cyl Hybrid, 1.6L 4-cyl Plug-in Hybrid, Electric	FWD	48–53	$1,600
2022	1.6L 4-cyl Hybrid, 1.6L 4-cyl Plug-in Hybrid, Electric	FWD	43–50	$1,565
2021	1.6L 4-cyl Hybrid, 1.6L 4-cyl Plug-in Hybrid, Electric	FWD	43–50	$1,535
2020	1.6L 4-cyl Hybrid, 1.6L 4-cyl Plug-in Hybrid, Electric	FWD	43–50	$1,500
2019	1.6L 4-cyl Hybrid, 1.6L 4-cyl Plug-in Hybrid, Electric	FWD	43–50	$1,470
2018	1.6L 4-cyl Hybrid, 1.6L 4-cyl Plug-in Hybrid	FWD	43–50	$1,435
2017	1.6L 4-cyl Hybrid	FWD	43–50	$1,405

Kia Niro insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Niro page for that state.

State	Full coverage	Minimum	vs. national	Niro page
Alabama	$1,500	$540	−13%	Niro in AL
Alaska	$1,510	$705	−12%	Niro in AK
Arizona	$1,810	$745	+5%	Niro in AZ
Arkansas	$1,510	$505	−12%	Niro in AR
California	$1,690	$645	−2%	Niro in CA
Colorado	$1,955	$735	+13%	Niro in CO
Connecticut	$1,840	$805	+7%	Niro in CT
Delaware	$1,940	$905	+12%	Niro in DE
District of Columbia	$2,175	$840	+26%	Niro in DC
Florida	$2,485	$1,220	+44%	Niro in FL
Georgia	$2,150	$985	+25%	Niro in GA
Hawaii	$1,190	$490	−31%	Niro in HI
Idaho	$1,170	$455	−32%	Niro in ID
Illinois	$1,495	$565	−13%	Niro in IL
Indiana	$1,225	$455	−29%	Niro in IN
Iowa	$1,160	$350	−33%	Niro in IA
Kansas	$1,370	$455	−21%	Niro in KS
Kentucky	$1,455	$595	−16%	Niro in KY
Louisiana	$2,390	$895	+39%	Niro in LA
Maine	$1,095	$480	−37%	Niro in ME
Maryland	$1,940	$850	+12%	Niro in MD
Massachusetts	$1,695	$670	−2%	Niro in MA
Michigan	$1,880	$865	+9%	Niro in MI
Minnesota	$1,435	$530	−17%	Niro in MN
Mississippi	$1,645	$600	−5%	Niro in MS
Missouri	$1,560	$580	−10%	Niro in MO
Montana	$1,365	$445	−21%	Niro in MT
Nebraska	$1,370	$455	−21%	Niro in NE
Nevada	$2,000	$980	+16%	Niro in NV
New Hampshire	$1,225	$455	−29%	Niro in NH
New Jersey	$2,095	$1,055	+21%	Niro in NJ
New Mexico	$1,545	$585	−10%	Niro in NM
New York	$2,330	$1,050	+35%	Niro in NY
North Carolina	$1,280	$505	−26%	Niro in NC
North Dakota	$1,090	$310	−37%	Niro in ND
Ohio	$1,230	$455	−29%	Niro in OH
Oklahoma	$1,545	$535	−10%	Niro in OK
Oregon	$1,560	$705	−10%	Niro in OR
Pennsylvania	$1,500	$480	−13%	Niro in PA
Rhode Island	$2,095	$925	+21%	Niro in RI
South Carolina	$1,855	$830	+8%	Niro in SC
South Dakota	$1,300	$355	−25%	Niro in SD
Tennessee	$1,430	$510	−17%	Niro in TN
Texas	$2,035	$780	+18%	Niro in TX
Utah	$1,575	$740	−9%	Niro in UT
Vermont	$1,115	$360	−35%	Niro in VT
Virginia	$1,485	$710	−14%	Niro in VA
Washington	$1,510	$665	−12%	Niro in WA
West Virginia	$1,435	$495	−17%	Niro in WV
Wisconsin	$1,175	$420	−32%	Niro in WI
Wyoming	$1,330	$365	−23%	Niro in WY

Kia Niro insurance by driver profile

Estimated annual Kia Niro premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,910	$2,765	$4,750	$396
Young adult (22)	$1,110	$1,610	$2,765	$230
Adult in their 30s	$695	$1,005	$1,725	$144
Adult in their 50s	$640	$925	$1,590	$133
Senior (72)	$775	$1,125	$1,935	$161
30s, one at-fault accident	$1,005	$1,460	$2,505	$209
30s, DUI on record	$1,285	$1,860	$3,195	$266

Kia Niro vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Kia Niro	$1,725	108	99	—
Honda CR-V	$1,200	63	65	Compare
Ford Escape	$1,625	95	82	Compare
Mitsubishi Outlander	$1,675	116	103	Compare

Estimate Kia Niro insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

—

Per month

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Other Kia models

Carnival $1,470/yr
EV3 $1,545/yr
K4 $1,545/yr
K5 $2,005/yr
Seltos $1,550/yr
Sorento $1,580/yr
Sportage $1,615/yr
Telluride $1,400/yr
EV6 $1,680/yr
EV9 $1,515/yr
Soul $1,595/yr
Forte $1,955/yr
Rio $1,455/yr
Stinger $1,445/yr
Sedona $1,255/yr
Cadenza $1,400/yr
K900 $1,400/yr
Optima $1,390/yr
Rondo $1,135/yr
Borrego $1,190/yr
Amanti $1,260/yr
Spectra $1,255/yr

All Kia insurance costs →

Frequently asked questions

How much is insurance for a Kia Niro?

We estimate about $1,725 a year ($144 a month) for full coverage and $695 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 8% more than the average vehicle.

Is the Kia Niro expensive to insure?

HLDI insurance-loss data rates it at 108 for collision and 99 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a Kia Niro?

North Dakota has the lowest estimate (about $1,090 a year for full coverage) and Florida the highest (about $2,485).

What is the Kia Niro's NHTSA safety rating?

The 2026 Kia Niro earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Kia Niro cheaper to insure than the Honda CR-V?

By our estimate the Kia Niro costs about $1,725 a year versus $1,200 for the Honda CR-V, making the Honda CR-V cheaper to insure.

How much is Kia Niro insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,750 a year at national-average rates by our estimate.

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