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Kia Niro Car Insurance

Compare car insurance quotes for your Kia Niro

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Compare electric car insurance from over 110 providers*

We do the hard work for you, comparing deals from the biggest brands in the UK so you can get the right cover

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*Accurate as of January 2022.

Why choose a Kia Niro?

The first Kia Niro was launched in 2016 and since then several new models have hit the market, with the latest due this summer. 

Drivers can choose from a 100% electric car or a hybrid and it’s one of the three most popular cars drivers search for when looking for car insurance on MoneySuperMarket. 

One of the reasons it’s so popular is the additional features that it come with. This includes a seven-year (or 100,00 mile) warranty and its forward collision-avoidance assist technology, which alerts drivers to potential dangers and automatically breaks if they don’t respond.

 You can also navigate the fastest routes, check for parking and charge points, and even get the weather forecast with the Kia Connect on-board and live services. 

For more information on the Kia Niro, see the Kia website.



electric car key

What cover do I need for my Kia Niro?

When you take out car insurance for your Kia Niro, you’ll be able to choose from the following three levels of cover:

  • Third-party only

    The most basic level of insurance available, third-party only will provide cover for damage to any other vehicle, people or property. 

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    Third-party, fire and theft

    You’ll also be protected if your car is damaged or destroyed because of a fire with third-party, fire and theft

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    Fully comprehensive

     The highest level of insurance available, you’re also covered for damage to your vehicle with fully comprehensive. 

How much does Kia Niro car insurance cost?


Your car insurance premium with a Kia Nero depends on lots of different factors. These include the model you’ve chosen, how often you drive it, and where you store it along with your job, age, and driving history. 

All insurers put cars into groups, from 1 to 50, depending on how much they cost to insure. Cheaper cars, with smaller engines, are found in the low-down groups while those nearer to 50 are more expensive and have a higher risk of being stolen or involved in an accident.

Policy type

Average annual premiums*

Third-party only


Third-party, fire & theft


Fully comprehensive



*Based on fully comprehensive policies with one driver holding a full UK driving licence. MoneySuperMarket data collected between April 2021 and April 2022.


What extras can I add to my Kia Niro car insurance policy?

There are lots of extra features with electric car insurance policies that you can pay to add on, or which may be included as standard if you have a fully comprehensive policy.  These include the following:  

  • Uninsured driver promise

    If you’re hit by an uninsured driver you won’t lose your no-claims bonus

  • Legal cover

    Motor legal protection covers any legal costs you may be faced with 

  • Breakdown cover

    If you’re Kia Niro breaks down, you’ll have cover if you’ve added breakdown protection and often you’ll get a courtesy car

  • Personal belongings cover

    Any personal belongings in your car are covered up to a limit

  • Windscreen cover

    Any damage to your windows is included if you choose to add on windscreen cover

  • Car key cover

    If you lose your keys you’re often not covered with a standard policy, key cover includes the cost of replacing them

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What additional benefits can I get with Kia Niro car insurance?

There are many extra benefits available when you buy Kia Niro car insurance. These may be included as standard, or you may have to pay extra to add them to your policy. The exact benefits available will depend on your insurer so always ask it, or check the small print, to find out what you’re covered for.

  • Recovery to the nearest chargepoint: You’ll be given roadside assistance or taken to the nearest chargepoint if you’re battery dies

  • Seven year warranty: All Kia cars come with a seven-year warranty as standard

  • Battery cover: Your battery will be covered, even if you’ve leased it from a third-party company  

  • Charging cables cover: Cables for charging, and your charging unit, are all included in policies



Why get Kia Niro car insurance via MSM?

Join over 1,000 EV drivers who insured their Kia Niro with us. 1,628 people have insured their Kia with MoneySuperMarket (figures accurate as of May 2022).

  • Speedy and simple

    Just pop in a few details about yourself, your electric car, and the cover you need

  • See your savings

    We’ll do the legwork to find the cheapest electric car insurance that offers the cover you need

  • Never miss a renewal

    With Car Monitor, we can remind you when your MOT and tax are due, so you never miss a renewal dates

How can I get cheaper car insurance for my Kia Niro?

Car insurance costs aren’t cheap for electric cars but there are many other electric car benefitsThere are also ways to reduce your Kia Niro premiums:

  • Pay annually

    Paying once every year is usually cheaper than spreading the cost over 12 monthly payments

  • Add a named driver

    Often a named driver, if they’re lower risk, can lower your premiums

  • Improve your car's safety

    Anything that lowers the risk of theft, such alarms and immobilisers can lower your premiums

  • Increase your excess

    If you pay a higher excess this can lower your monthly premium 

  • Compare prices

    Always shop around and never go with the first insurer you see 

  • Store your car out of sight

    Your premiums will be cheaper if your car is stored in a locked garage or a driveway