The Kia Niro is an affordable hybrid crossover vehicle that has been manufactured by Kia since 2016. In this guide, you’ll learn how much it costs to insure based on the demographics of the driver and tips on how to reduce the cost of your car insurance.
What insurance group does the Kia Niro fall under?
Every vehicle you see on the road has been given a specific insurance group to help insurers determine the price of covering it. These groups range from 1 (cheapest to insure) to 50 (most expensive). You can find a Kia Niro in groups ranging from 11 to 15, meaning the car insurance will be on the cheap side.
However, the costs may vary slightly between the different Kia Niro models and what group they each fall in. As an example, a 30-year-old driver in an average postcode could pay around £699 for cover on a Kia Niro 2 1.6 GDi 1.56kWh lithium-ion 139bhp DCT auto self-charging hybrid 5d that is in insurance group 11 or around £674 for a Kia Niro PHEV 1.6 GDi 8.9kWh lithium-ion 139bhp DCT auto 07/19- 5d that is in insurance group 15. From this comparison, we can see the impact of premium pricing when one car is in a much higher insurance group.
These rates are based on the average cost of cover for cars in the insurance groups shown for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).
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The table above shows the average cost of Kia Niro insurance based on insurance groups and driver age. But there are a number of other factors that affect the cost of your car insurance premiums.
Your home address is one of the most significant of these factors. To show the potentially significant influence of your postcode, we have pulled together some average quotes for a 30-year-old living in three different locations. The quotes are for a Kia Niro PHEV 1.6 GDi 8.9kWh lithium-ion 139bhp DCT auto 5d.
Expensive: £1,005 (London SE1)
Average: £704 (Newcastle NE1)
Cheap: £703 (Galashiels TD1)
These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).
Here are some more key factors that have the biggest impact on your insurance premium costs:
Engine type and capacity. In general, the bigger the engine, the higher the cost of your insurance. However, in this case, all Kia Niro models have a 1.6-litre engine, so there’s no scope for comparison here.
Driver location. Insurers will use previous claims data to determine the likelihood of someone from your neighbourhood making a claim on their car insurance policy. If you live in an area where motorists are more likely to make a claim, you’ll have to pay more. For example, a 30-year-old in central London may pay £1,190 for insurance for a Kia Niro 1 1.6 GDi 1.56kWh lithium-ion 139bhp 6DCT auto 5d, while the same 30-year-old in Newcastle may only pay £688. This pricing difference occurs because Londoners are statistically more likely to claim on their car insurance, compared to those living in Newcastle.
Driver age. The youngest drivers are the most likely to claim on their car insurance, and that’s why they are charged higher premiums. As an example, the average 20-year-old driver in London may pay £3,495 for the Kia Niro 2 1.6 GDi 1.56kWh lithium-ion 139bhp 6DCT auto 5d, while the average 40-year-old Londoner will only pay £978. As you can see, in this example, the 20-year-old would have to pay almost double to insure a Kia Niro. This significant difference often occurs with cheaper and more expensive cars too.
Other factors that influence the cost of your insurance include the following:
Your car’s safety rating score
The model of your car
The age of your car
Your car’s security and any extra anti-theft precautions
When searching for insurance, it’s worth taking the time to find the best deal for a price that’s within your budget. To help you out, we have listed some tricks that can lower the cost of your premium.
Reduce your annual mileage. Are there some journeys you can occasionally take by foot or public transport rather than using your car? If so, consider leaving your car at home. This will reduce your annual mileage, which can help to save on your premiums.
Pay annually rather than monthly. Paying annually eliminates the possibility that you’ll be charged interest on monthly repayments.
Install extra safety precautions. When you add extra safety measures, you’ll be deemed a lower risk by insurers, and they’re quite likely to lower your premium as a result.
Don’t blindly accept your renewal quote. Hunt for the best deal each year using a price comparison website. You may find that there are cheaper options out there!
Frequently asked questions
The fastest model of a Kia Niro can reach a top speed of 104 mph.
The Kia Niro received a full five-star rating in its Euro NCAP crash tests, including a 91% rating for protecting adult occupants and 80% for protecting child occupants.
The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.
You can buy a Kia Niro at any dealership or online seller across the UK or second-hand from a current owner.
All Kia Niro models come with a 1.6-litre engine.
The Kia Niro is an affordable crossover, which is relatively cheap to purchase, run and insure. There are plenty of better performers in its class though.
You can compare the costs of Kia Niro car insurance using any price comparison website.
No, the Kia Niro can be found in insurance groups ranging from 11 to 15, meaning it will be cheaper than the average vehicle to insure.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio
Danny's expertise
Danny has written 336 Finder guides across topics including:
Read our comprehensive guide and find out how much it may cost you to insure a Kia Sportage and how to save on your car insurance premiums.
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