Updated: November 15, 2024
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Driver age plays a huge role in determining auto insurance prices. For 16-year-old car owners, a 2019 Kia Niro costs about $6,484 annually to insure, compared to $1,451 for 40-year-old drivers. A 2022 model costs a 16-year-old $6,712, while a 40-year-old would pay $1,498.
Cost is important, but it's not the only thing drivers need to consider. MoneyGeek compared the best insurance companies for a Kia Niro with variables like cost, service quality and claims record.
Car Insurance CostsKia NiroTable of Contents
Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Kia Niro.
These rates were updated to reflect the average cost of car insurance for a Kia Niro as of 2023.
The average yearly insurance cost for a Kia Niro is $1,518. The cheapest car insurance company for you may differ from your neighbor's.
The cheapest full-coverage auto insurance is available from GEICO for $1,185, while Allstate costs $1,824 for similar coverage. State Farm offers the cheapest minimum coverage auto insurance at $470 per year. Farmers has the most expensive insurance at $714 per year. Comparing prices can help you discover the best deals on auto insurance.
| GEICO | $1,185 |
| State Farm | $1,275 |
| Nationwide | $1,471 |
| Travelers | $1,515 |
| Farmers | $1,606 |
| Progressive | $1,659 |
| Allstate | $1,824 |
We found the 2022 Kira Niro model costs a moderate amount to insure. Although it has safety features and is fuel-efficient, factors like repair costs, theft rates, collision, and comprehensive coverage contribute to higher insurance premiums. For an all-electric vehicle like Kia Niro, ask for quotes and features to ensure you get the coverage you need.
Affordability, customer service and handling of claims are factors to look into when choosing the best car insurance for a Kia Niro. MoneyGeek has identified the following as the best insurance providers:
Among the insurance providers we evaluated, GEICO has the cheapest rates and the third-best rating for quality of service.
Provides good customer service
Ranks #1 in affordability out of 7 insurance companies
Offers mechanical breakdown insurance
Doesn’t provide new car replacement or better car replacement
Poor handling of claims from policyholders
Insuring a Kia Niro with GEICO raises the chances of getting good customer service at the most affordable price. Despite poor claims management and no new or better car replacement, GEICO emerged as the best car insurance.
GEICO offers rental car or travel reimbursement, accident forgiveness, roadside assistance and antique/classic car insurance as additional coverage selections. It also offers widely available mechanical breakdown insurance (MBI) and other common add-ons.
Ranks #2 in customer satisfaction among 7 insurers
Provides the second-cheapest car insurance premium
Offers strong features on its roadside assistance coverage
Has few coverage options
Achieved below-average scores for managing claims
State Farm is MoneyGeek’s runner-up for the best Kia Niro car insurance. It has the second-cheapest average annual insurance rate and the second-best service quality out of the seven companies analyzed. However, this insurer has a limited selection of add-on coverages and below-average claims handling ratings.
Among the few coverages State Farm provides is roadside assistance. This add-on coverage offers services such as towing to the nearest repair shop; towing from a risky spot; fuel or oil refills; battery replacement; mechanical labor for a maximum of one hour at the breakdown spot; and locksmith labor for up to an hour.
Vehicle age affects the average cost of car insurance. Newer models may have higher costs since the value of a vehicle decreases. Full coverage Kia Niro insurance is $1,451 annually for 2019-model cars and $1,498 annually for 2022 models.
| 2022 | $1,498 |
| 2021 | $1,502 |
| 2020 | $1,492 |
| 2019 | $1,451 |
Each insurer has a different average cost of auto insurance. GEICO offers the cheapest insurance for 2019 and 2022 models of a Kia Niro at $1,196 and $1,181, respectively.
When averaging all insurers we reviewed, you should expect to spend about $1,451 annually for a 2019 car and $1,498 on one from 2022.
| GEICO | $1,181 |
| State Farm | $1,306 |
| Nationwide | $1,355 |
| Travelers | $1,530 |
| Farmers | $1,658 |
| Progressive | $1,680 |
| Allstate | $1,885 |
When determining the overall cost, insurance providers evaluate your age as well as the age of the vehicle. Auto insurance premiums for young drivers are often higher than those for people aged 30 to 40. The average cost of teen auto insurance for a Kia Niro is $6,656, as opposed to $1,486 for a 40-year-old. Premiums for teen drivers decrease until they reach their 20s.
Compare insurance providers to secure the most affordable Kia Niro coverage. For full coverage insurance for a 2019 model for 16-year-old drivers, State Farm charges $3,980, and Allstate charges $8,116. These are the prices for individual teen auto insurance. Teenagers could significantly reduce their costs by using family insurance.
| State Farm | $4,184 |
| Nationwide | $5,305 |
| GEICO | $5,478 |
| Travelers | $5,990 |
| Farmers | $8,366 |
| Allstate | $8,634 |
| Progressive | $9,066 |
Where you live also affects your Kia Niro car insurance costs. Florida has the nation's highest average premiums, while Idaho has the lowest. Look at multiple providers to see which option is the cheapest for you.
| Alabama | Nationwide | $709 | $59 |
| Alaska | State Farm | $699 | $58 |
| Arizona | Root Insurance Company | $682 | $57 |
| Arkansas | State Farm | $629 | $52 |
| California | AAA California | $1,001 | $83 |
| Colorado | American National P&C | $541 | $45 |
| Connecticut | GEICO | $693 | $58 |
| Delaware | State Farm | $881 | $73 |
| District of Columbia | GEICO | $662 | $55 |
| Florida | State Farm | $1,058 | $88 |
| Georgia | Country Financial | $665 | $55 |
| Hawaii | GEICO | $565 | $47 |
| Idaho | American National P&C | $299 | $25 |
| Illinois | Country Financial | $663 | $55 |
| Indiana | American Family | $555 | $46 |
| Iowa | State Farm | $509 | $42 |
| Kansas | Nationwide | $670 | $56 |
| Kentucky | Nationwide | $790 | $66 |
| Louisiana | Louisiana Farm Bureau | $1,048 | $87 |
| Maine | Concord Group | $521 | $43 |
| Maryland | Progressive | $938 | $78 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $898 | $75 |
| Minnesota | State Farm | $797 | $66 |
| Mississippi | Direct General Insurance | $723 | $60 |
| Missouri | Nationwide | $909 | $76 |
| Montana | Progressive | $437 | $36 |
| Nebraska | American National P&C | $405 | $34 |
| Nevada | CSAA | $940 | $78 |
| New Hampshire | State Farm | $540 | $45 |
| New Jersey | Plymouth Rock Assurance | $895 | $75 |
| New Mexico | State Farm | $644 | $54 |
| New York | Kemper | $781 | $65 |
| North Carolina | Erie | $630 | $52 |
| North Dakota | American Family | $616 | $51 |
| Ohio | Nationwide | $485 | $40 |
| Oklahoma | State Farm | $662 | $55 |
| Oregon | State Farm | $706 | $59 |
| Pennsylvania | Nationwide | $580 | $48 |
| Rhode Island | State Farm | $700 | $58 |
| South Carolina | American National P&C | $463 | $39 |
| South Dakota | Allstate | $746 | $62 |
| Tennessee | State Farm | $579 | $48 |
| Texas | State Farm | $699 | $58 |
| Utah | Nationwide | $725 | $60 |
| Vermont | State Farm | $493 | $41 |
| Virginia | American Family | $601 | $50 |
| Washington | PEMCO | $534 | $44 |
| West Virginia | Erie | $784 | $65 |
| Wisconsin | GEICO | $556 | $46 |
| Wyoming | State Farm | $745 | $62 |
When looking for auto insurance, concerns about the value and affordability often come up. MoneyGeek answers frequently asked questions about insuring a Kia Niro.
GEICO offers the cheapest car insurance for a Kia Niro. Insuring a Kia Niro costs $1,518 yearly as opposed to the $2,415 average for all other vehicles.
GEICO is the best car insurance for a Kia Niro because of its affordable rates and good customer service. This insurer achieved an overall MoneyGeek rating of 75 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
