Vehicles > Kia > Niro

Kia Niro Insurance Quotes

There are many options when looking for the best insurance on your Kia vehicle. You can buy from an agent or price shop online to check prices from lots of different providers. Comparing auto insurance through online providers is simple to do and there is a good chance you can save money.

Using the web to shop for auto insurance direct can be a challenge if you have never used online rate quotes. But don't be discouraged because it's actually quite easy. Reducing your Niro insurance cost is surprisingly easy. All that's required is to spend a few minutes on the computer getting comparison quotes online with multiple companies. This can be done by completing this short form.

Car insurance premiums on a Kia Niro will vary greatly subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure use vs. commuting use
  • Your age
  • Having a spouse can save money
  • Extra coverages like towing and rental
  • Your claim history
  • Having continuous coverage saves you money
  • Whether you own your home

An additional factor that can impact Niro insurance quotes is the year of the vehicle. New vehicles have a higher value than older models so the payout to repair will push premiums up. Although newer models may have safety features included like autonomous braking, tire pressure monitors, and lane departure warning system so those may give discounted rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Niro below.

Liability auto insurance

Niro liability coverage protects you from damage that occurs to people or other property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverage protection

This coverage pays for damage to your Kia resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your Niro can be pricey, so consider removing coverage from older vehicles. It's also possible to raise the deductible in order to get cheaper Niro insurance quotes.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Kia Niro Insurance Rates?