KIA NIRO Car Insurance

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The Kia Niro is a compact hybrid crossover built for energy efficiency and urban versatility. Available in hybrid, plug-in hybrid, and electric versions, it attracts drivers looking to cut fuel consumption without sacrificing space or technology.

KIA NIRO CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the Kia Niro fluctuate irregularly, rising from $1023 to $1697. After a notable spike in 2023 ($1614) and a dip in 2024 ($1472), the premium climbs back and stabilizes around $1690-$1697 in 2025-2026, reflecting an overall upward trend despite yearly swings.

To find the best insurance for your KIA NIRO vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your KIA NIRO

How much does insurance for your KIA NIRO cost in Quebec?

Premiums for the Kia Niro are highest in Montreal ($2403), Longueuil ($2227), and Laval ($1944), while Gatineau ($1337), Trois-Rivières ($1396), and Brossard ($1398) show the lowest amounts. The gap between the most and least expensive cities exceeds $1000.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
BROSSARD	$1397.72
DRUMMONDVILLE	$1941.35
GATINEAU	$1386.52
LAVAL	$1988.95
LÉVIS	$1695.79
LONGUEUIL	$2226.82
MONTRÉAL	$2402.77
QUÉBEC	$1639.34
REPENTIGNY	$1618.98
Saguenay	$1742.53
SAINT-JEAN-SUR-RICHELIEU	$1599.59
SAINT-JÉRÔME	$1645.41
SHERBROOKE	$1539.70
TERREBONNE	$1659.63
TROIS-RIVIÈRES	$1454.38

KIA NIRO average premium by model year

Average premium paid by our clients for each model year, over the last 5 years. Select a year to see its detailed statistics.

Model year	Average premium
KIA NIRO 2026	$1933.20
KIA NIRO 2025	$1814.52
KIA NIRO 2024	$1597.91
KIA NIRO 2023	$1464.08
KIA NIRO 2022	$1480.20
KIA NIRO 2021	$1652.10
KIA NIRO 2020	$1373.33
KIA NIRO 2019	$1189.34
KIA NIRO 2018	$1147.38
KIA NIRO 2017	$1020.15

Frequently asked questions (FAQ)

How much does it cost to insure a Kia Niro?

In 2026, the average premium for a Kia Niro is $1697, compared to $1690 in 2025, according to available data.

Has the Kia Niro's premium changed a lot since 2021?

Yes. It rose from $1023 in 2021 to $1614 in 2023, then dropped to $1472 in 2024 before climbing back to $1697 in 2026, showing notable fluctuations rather than a straight upward line.

Which cities offer the lowest insurance costs for a Kia Niro?

Based on the data provided, Gatineau ($1337), Trois-Rivières ($1396), and Brossard ($1398) post the lowest average premiums for this model.

Why does Montreal show the highest premium for the Niro?

With an average of $2403, Montreal significantly exceeds other cities, likely due to traffic density and higher claim frequency in urban areas.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.

Does the Niro's hybrid status affect insurance costs?

Hybrid components, such as the battery and electronic systems, can be costlier to repair, which may influence certain insurance costs depending on the vehicle profile and insurer.

How can I lower the insurance cost of my Kia Niro?

Comparing quotes from several insurers, especially between cities with marked differences like Montreal and Gatineau, often reveals more favorable premiums for the same driver profile.

Offers received by our customers on KIA NIRO cars

KIA NIRO 2026

Ariane from Sainte-Agathe-Des-Monts

$2174 /year

Premium computed in July 2026