Kia Niro Insurance: by Model Year & Company
Kia Niro insurance costs an average of $987 for a 6-month full coverage policy. Progressive offers the cheapest rate for the latest Kia Niro at $139/mo or $835 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a Kia Niro:
- The Niro costs less to insure than most SUVs. Averaging $164/mo for the Niro versus $184/mo for typical SUVs.
- If you're considering a vehicle similar to the Niro, like the Kia Niro Plug-in Hybrid ($167/mo), Kia Cadenza ($185/mo), or Kia Carnival ($193/mo), your insurance costs will be cheaper.
- American Family ($126/mo), Progressive ($130/mo), USAA ($137/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2025 Kia Niro
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,670 |
| American Family |
$1,697 |
| USAA |
$1,866 |
| GEICO |
$1,984 |
| State Farm |
$2,090 |
| Erie |
$2,114 |
| Nationwide |
$2,253 |
| Farmers |
$2,698 |
| Allstate |
$3,198 |
Compare all 2025 Kia Niro insurance rates.
Average Cost to Insure Per Year
$2,1842024 Kia Niro
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,627 |
| Progressive |
$1,660 |
| USAA |
$1,850 |
| State Farm |
$2,001 |
| Erie |
$2,027 |
| Nationwide |
$2,295 |
| GEICO |
$2,420 |
| Farmers |
$2,599 |
| Allstate |
$3,453 |
Compare all 2024 Kia Niro insurance rates.
Average Cost to Insure Per Year
$2,3052023 Kia Niro
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,577 |
| Progressive |
$1,637 |
| USAA |
$1,745 |
| State Farm |
$1,947 |
| Erie |
$1,964 |
| GEICO |
$2,036 |
| Nationwide |
$2,368 |
| Farmers |
$2,494 |
| Allstate |
$3,484 |
Compare all 2023 Kia Niro insurance rates.
Average Cost to Insure Per Year
$2,1962022 Kia Niro
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,538 |
| Progressive |
$1,605 |
| USAA |
$1,636 |
| GEICO |
$1,745 |
| State Farm |
$1,888 |
| Erie |
$1,923 |
| Nationwide |
$2,145 |
| Farmers |
$2,381 |
| Allstate |
$3,368 |
Compare all 2022 Kia Niro insurance rates.
Average Cost to Insure Per Year
$2,0482021 Kia Niro
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,489 |
| USAA |
$1,574 |
| Progressive |
$1,612 |
| GEICO |
$1,706 |
| Erie |
$1,840 |
| State Farm |
$1,911 |
| Nationwide |
$2,068 |
| Farmers |
$2,275 |
| Allstate |
$3,304 |
Compare all 2021 Kia Niro insurance rates.
Average Cost to Insure Per Year
$2,0052020 Kia Niro
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,517 |
| Progressive |
$1,563 |
| USAA |
$1,762 |
| State Farm |
$1,777 |
| Erie |
$1,817 |
| GEICO |
$1,889 |
| Nationwide |
$1,996 |
| Farmers |
$2,273 |
| Allstate |
$3,110 |
Compare all 2020 Kia Niro insurance rates.
Average Cost to Insure Per Year
$2,0152019 Kia Niro
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,418 |
| American Family |
$1,429 |
| USAA |
$1,504 |
| Erie |
$1,740 |
| GEICO |
$1,769 |
| State Farm |
$1,789 |
| Nationwide |
$2,054 |
| Farmers |
$2,197 |
| Allstate |
$2,666 |
Compare all 2019 Kia Niro insurance rates.
Average Cost to Insure Per Year
$1,8692018 Kia Niro
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,362 |
| USAA |
$1,437 |
| Progressive |
$1,471 |
| GEICO |
$1,548 |
| Erie |
$1,714 |
| State Farm |
$1,758 |
| Nationwide |
$2,059 |
| Farmers |
$2,099 |
| Allstate |
$2,349 |
Compare all 2018 Kia Niro insurance rates.
Average Cost to Insure Per Year
$1,7582017 Kia Niro
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,337 |
| USAA |
$1,379 |
| Progressive |
$1,424 |
| GEICO |
$1,496 |
| Erie |
$1,625 |
| State Farm |
$1,718 |
| Nationwide |
$1,828 |
| Farmers |
$2,028 |
| Allstate |
$2,149 |
