Kia Niro vs Subaru Crosstrek: cost to own

Verdict, over 6 years

The Kia Niro costs about $9,031 less

That's $125 a month. Closest matching trims: same fuel and drive where possible.

Niro LX✓ $899/moTrue cost

Crosstrek Hybrid Onyx$1,024/moTrue cost

2026 Kia Niro

Closest matching trim: Niro LX

Sticker (MSRP)$30,845

+$7,259→↓Freight, fees, HST

Drive away$38,104

+ running costs→↓− $14,416 resale

True cost$899/moA month to own, after resale

2027 Subaru Crosstrek

Closest matching trim: Crosstrek Hybrid Onyx

Sticker (MSRP)$36,995

+$8,240→↓Freight, fees, HST

Drive away$45,235

+ running costs→↓− $22,820 resale

True cost$1,024/moA month to own, after resale

Line by line


Price
Sticker (MSRP)	✓ $30,845	$36,995	Niro by $6,150
Freight and fees, before tax	✓ $2,875	$3,036	Niro by $161
Sales tax (HST)	✓ $4,384	$5,204	Niro by $820
Drive-away price	✓ $38,104	$45,235	Niro by $7,131
Running costs, 6 years
Fuel or charging	✓ $7,366	$10,881	Niro by $3,515
Insurance (estimate)	✓ $12,274	$12,802	Niro by $528
Maintenance (estimate)	✓ $6,254	$9,639	Niro by $3,385
Loan rate	6.5%	6.5%	—
Loan interest	✓ $6,962	$8,462	Niro by $1,500
Lost return on your money	✓ $8,087	$9,463	Niro by $1,376
Resale after 6 yrs	−$14,416	✓ −$22,820	Crosstrek by $8,404
Total
True cost	✓ $64,721	$73,752	Niro by $9,031
True cost a month	✓ $899/mo	$1,024/mo	Niro by $125
You pay each month	✓ $917/mo	$1,140/mo	Niro by $223
Practical
Fuel type	Hybrid	Hybrid	—
Seats	5	5	—
Carry-ons, 2 people	5	4	—
Towing, lb	—	1,500	—
Cargo behind row 2, litres	✓ 646	527	—
Length	4.42 m	4.48 m	—
Ground clearance	16 cm	✓ 22 cm	—
Resale % after 6 yrs	47%	✓ 62%	—
US crash test	4★	✓ 5★	—
European crash test	✓ 4★ (2022); 5★ with pack	5★ (2024)	—

Price

Sticker (MSRP)

Niro LX ✓ $30,845Crosstrek Hybrid Onyx $36,995Cheaper by Niro by $6,150

Freight and fees, before tax

Niro LX ✓ $2,875Crosstrek Hybrid Onyx $3,036Cheaper by Niro by $161

Sales tax (HST)

Niro LX ✓ $4,384Crosstrek Hybrid Onyx $5,204Cheaper by Niro by $820

Drive-away price

Niro LX ✓ $38,104Crosstrek Hybrid Onyx $45,235Cheaper by Niro by $7,131

Running costs, 6 years

Fuel or charging

Niro LX ✓ $7,366Crosstrek Hybrid Onyx $10,881Cheaper by Niro by $3,515

Insurance (estimate)

Niro LX ✓ $12,274Crosstrek Hybrid Onyx $12,802Cheaper by Niro by $528

Maintenance (estimate)

Niro LX ✓ $6,254Crosstrek Hybrid Onyx $9,639Cheaper by Niro by $3,385

Loan rate

Niro LX 6.5%Crosstrek Hybrid Onyx 6.5%Cheaper by —

Loan interest

Niro LX ✓ $6,962Crosstrek Hybrid Onyx $8,462Cheaper by Niro by $1,500

Lost return on your money

Niro LX ✓ $8,087Crosstrek Hybrid Onyx $9,463Cheaper by Niro by $1,376

Resale after 6 yrs

Niro LX −$14,416Crosstrek Hybrid Onyx ✓ −$22,820Cheaper by Crosstrek by $8,404

Total

True cost

Niro LX ✓ $64,721Crosstrek Hybrid Onyx $73,752Cheaper by Niro by $9,031

True cost a month

Niro LX ✓ $899/moCrosstrek Hybrid Onyx $1,024/moCheaper by Niro by $125

You pay each month

Niro LX ✓ $917/moCrosstrek Hybrid Onyx $1,140/moCheaper by Niro by $223

Practical

Fuel type

Niro LX HybridCrosstrek Hybrid Onyx HybridCheaper by —

Seats

Niro LX 5Crosstrek Hybrid Onyx 5Cheaper by —

Carry-ons, 2 people

Niro LX 5Crosstrek Hybrid Onyx 4Cheaper by —

Towing, lb

Niro LX —Crosstrek Hybrid Onyx 1,500Cheaper by —

Cargo behind row 2, litres

Niro LX ✓ 646Crosstrek Hybrid Onyx 527Cheaper by —

Length

Niro LX 4.42 mCrosstrek Hybrid Onyx 4.48 mCheaper by —

Ground clearance

Niro LX 16 cmCrosstrek Hybrid Onyx ✓ 22 cmCheaper by —

Resale % after 6 yrs

Niro LX 47%Crosstrek Hybrid Onyx ✓ 62%Cheaper by —

US crash test

Niro LX 4★Crosstrek Hybrid Onyx ✓ 5★Cheaper by —

European crash test

Niro LX ✓ 4★ (2022); 5★ with packCrosstrek Hybrid Onyx 5★ (2024)Cheaper by —

✓ marks the better figure. Resale for both is from their own used prices (unless you lease). Their stickers differ by $6,150.