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 car of the same age, because of more injury claims and more damage to others' property. Putting a new 16-year-old on a family policy with the Niro adds about $1,390 a year (#46 of 52 small SUVs we compare).

2024 Kia Niro (Niro), national average

about $2,100 a year (about $175 a month)

Estimated range: $1,550–$2,800. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2018 Niro drops to about $1,770 (see the table below).

A Kia Niro from the 2023–present generation. Photo: Kevauto, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Niro, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Niro's rank is the same in every state.

Why the Kia Niro costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Kia Niro hybrid 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 108 for crash repairs, 99 for non-crash damage, 107 for damage to others' property, and 143 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage8% worse than average42nd best of the 52 small SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage1% better than average39th best of the 52 small SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage7% worse than average45th best of the 52 small SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costWorse than averagefiled 43% more often than average46th best of the 47 small SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Niro comes out about 5% worse than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 2% more than average: about $970 a year vs $950. On the liability side, damage to others and injury claims combine to about 28% worse than average. We count about half, so that part is about 14% more: $1,130 a year vs $990.

How the math works

By EPA size class the Kia Niro is a small SUV with a hybrid powertrain, and HLDI tracks the Niro alongside mini SUVs.

Matched to HLDI series “Kia Niro hybrid 4dr” (HLDI, 2022–24 models).

A used Kia Niro, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Niro (0–3 years old)	about $2,100	about $1,130	+$1,390	about $6,040
2022 Niro (4–7 years old)	about $1,990	about $1,130	+$1,310	about $5,700
2018 Niro (8–12 years old)	about $1,770	about $1,070	+$1,170	about $5,070

Our catalog covers the Kia Niro across model years 2017–2027. Full coverage on a used 2018 Niro (8–12 years old) runs about $1,770 a year, $340 less than on a 2024. Dropping collision and comprehensive on that 2018 brings liability-only coverage to about $1,070 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Kia Niro trims, full coverage goes from about $1,930 a year on the Niro Electric to about $2,100 on the Niro FE, because HLDI's loss results differ by body, drive, or powertrain.

Niro Electric: about $1,930
Niro; Niro FE: about $2,100

On a policy of their own with a 2024 Kia Niro, a 22–25-year-old pays about $2,740 a year ($630 more than a 45-year-old), a 26–39-year-old about $2,340, and a driver 65 and older about $2,210.

Adding a 16-year-old with a Kia Niro

A new driver costs more with any car, and more than usual with the Kia Niro: adding a 16-year-old raises the family bill by about $1,390 a year ($115 a month), $110 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $6,040 a year ($4,650 more than adding them to the family policy).

For adding a teen driver, the Kia Niro ranks 29th most expensive out of all 121 models we track. Stepping down to a used 2018 Niro (8–12 years old) brings the teen add-on to about $1,170 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 52 small SUVs, the Kia Niro is the 7th most expensive to insure. Right next to it are the Mitsubishi Outlander (about $2,070 a year) and the Lexus NX (about $2,110).

Photos from Wikimedia Commons contributors. Photo credits.

What a Kia Niro costs in your state

In six sample states, a 2024 Kia Niro runs from about $1,430 a year in Idaho through Wyoming, Virginia, Missouri and Michigan to about $2,770 in New York:

Idahoabout $1,430/yr · +$950 teen
Wyomingabout $1,730/yr · +$1,140 teen
Virginiaabout $1,810/yr · +$1,200 teen
Missouriabout $1,930/yr · +$1,280 teen
Michiganabout $2,300/yr · +$1,520 teen
New Yorkabout $2,770/yr · +$1,830 teen

All 50 states and DC · Updated November 5, 2026.

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