How much is insurance on a Kia Niro?
A 2024 Kia Niro runs about $2,100 a year for a typical 45-year-old, $160 more than an average 2024 car, because of more at-fault claims.
2024 Kia Niro, national average
about $2,100 a year (about $175 a month)
roughly $1,550–$2,800
An average 2024 car: about $1,940. An older Kia Niro costs less (below).
Priced: the 2024 Niro (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used Kia Niro, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $2,100 | about $1,130 | +$1,390 | about $6,040 |
| 2022 (4–7 years old) | about $1,990 | about $1,130 | +$1,310 | about $5,700 |
| 2018 (8–12 years old) | about $1,860 | about $1,130 | +$1,230 | about $5,340 |
We list the Kia Niro for 2017–2027. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.
The 2024 Kia Niro runs from about $1,930 a year (Niro Electric) to about $2,100 (Niro FE): the claims data differs by drive, body, or powertrain.
- Niro Electric: about $1,930
- Niro; Niro FE: about $2,100
The Kia Niro for other drivers on their own policy, a year: 22–25, $2,740; 26–39, $2,340; 65 and older, $2,210.
Adding a 16-year-old with a Kia Niro
A new 16-year-old driving the Kia Niro adds about $1,390 a year ($115 a month), $110 more than with an average 2024 car.
For adding a teen, the Kia Niro ranks 29th most expensive of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the Kia Niro costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- higher than average
- Theft and weather
- about average
- Damage to others
- about average
- Injuries to others
- much higher than average
The part that fixes or replaces the Kia Niro: about $970, against $950 for an average 2024 car (about the same). The part that pays for harm to others: about $1,130, against $990 for an average car (14% more).
By the EPA's size classes it's a small SUV, and it's a hybrid. The Highway Loss Data Institute groups it with mini SUVs.
Matched to “Kia Niro hybrid 4dr” in HLDI's results.
Similar small SUVs
Among these 52 small SUVs, the Kia Niro is the 7th most expensive to insure.
- 2024 Acura MDXabout $2,030 ($70 less)
- 2024 Kia EV6about $2,030 ($70 less)
- 2024 Jeep Compassabout $2,040 (about the same)
- 2024 Mitsubishi Outlanderabout $2,070 (about the same)
- 2024 Kia Niroabout $2,100 (this car)
- 2024 Lexus NXabout $2,110 (about the same)
- 2024 Lexus RXabout $2,130 (about the same)
- 2024 Mercedes-Benz GLC-Classabout $2,480 ($380 more)
- 2024 BMW X3about $2,570 ($470 more)
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.