Vehicles > Kia > Niro Plug-In Hybrid

Kia Niro Plug-In Hybrid Insurance Cost

Buying auto insurance through online providers is easy and there is a good chance you may find lower rates. The key is to compare rates from all companies so you can compare the lowest rate quotes.

People who are new to shopping for insurance may think buying low-cost Niro Plug-In Hybrid insurance is hard and time consuming. Lowering your Niro Plug-In Hybrid insurance rates is surprisingly easy. You just need to take a few minutes to compare quotes from different insurance companies. This can be accomplished by visiting this page.

Insurance premiums on a Kia Niro Plug-In Hybrid will vary greatly based upon several criteria. Some of these factors include:

  • Your driving record
  • Your credit history
  • Men typically pay more than women
  • Higher deductibles save money
  • Safety rating of your Niro Plug-In Hybrid
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. A newer vehicle cost more compared to older Kia models so repair costs are higher which will push premiums up. Although more recent Kia vehicles have more advanced features included like forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification so those may provide discounts that lower premiums.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle below.

Liability auto insurance

Liability insurance will cover damage that occurs to people or other property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy as much as you can afford.

Collision insurance

Collision insurance will pay to fix damage to your Kia resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your Niro Plug-In Hybrid can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper Niro Plug-In Hybrid insurance cost.

Comprehensive (Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. PIP is only offered in select states but can be used in place of medical payments coverage.

How Much are Kia Niro Plug-In Hybrid Insurance Rates?