Kia Rio Insurance Rates

The average insurance rates for a Kia Rio are $1,356 a year including full coverage. Comprehensive insurance costs on average $258 a year, collision insurance costs $508, and liability coverage costs around $410. A liability-only policy costs as low as $486 a year, and high-risk insurance costs $2,936 or more. Teen drivers cost the most to insure at up to $5,162 a year.

Annual premium for full coverage: $1,356

Policy rates by individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Kia Rio Trim Level

These price differences highlight why it is important for drivers to compare prices based on a specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Car insurance rates for a Kia Rio also range considerably based on your risk profile, the replacement cost of your Rio, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $5,100 a year. View Rates by Age

Your home state has a huge impact on Kia Rio insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $520 a year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $369 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes will be varied from one company to the next.

View Chart as Image

The chart above shows average Kia Rio insurance rates for various risk profiles and scenarios. The cheapest rate with discounts is $789. Drivers who choose higher $1,000 deductibles will pay around $1,182. The average rate for a 40-year-old male driver using $500 deductibles is $1,356. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $1,694. High risk drivers could be charged around $2,936. The cost for full coverage for a teen driver can be as high as $5,162.

View Chart as Image