Kia Rio Insurance Rates

Why are Kias so expensive to insure? Average Kia Rio insurance rates are $1,398 a year, or $116 a month. If you find that your Kia Rio insurance rates are more expensive than other vehicles’ rates, you need to take advantage of shopping for Kia Rio free insurance quotes.

Before you buy Kia Rio car insurance, it pays to understand what factors impact car insurance rates. For instance, 2020 Kia Rio insurance cost will be higher than 2019 Kia Rio insurance. And the 2019 rates will be higher than the 2016 Kia Rio’s insurance cost.

Learn more about cheap car insurance and what causes insurance to go down in our guide to affordable Kia Rio car insurance.

If you want to jump right into finding Kia Rio car insurance quotes for your area, enter your five-digit ZIP code into our FREE quote tool above.

Estimated insurance prices for a Kia Rio are $1,380 every 12 months including full coverage. Comprehensive insurance costs approximately $236, collision costs $494, and liability coverage is estimated at $470. A policy with only liability insurance costs approximately $536 a year, with a high-risk policy costing $3,008 or more. 16-year-old drivers pay the most at $5,356 a year or more.

Average premium for full coverage: $1,380

Premium estimates by type of coverage:

Includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Rio models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities.

The example below illustrates how rural and urban location affects auto insurance prices.

These rate differences highlight why everyone should get quotes using their specific location and their own driving history, rather than using rate averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down estimated Kia Rio insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $798
• Choosing higher $1,000 deductibles can save $164 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,380
• Buying pricier low deductibles for comp and collision coverage costs an extra $326 each year
• Drivers with multiple tickets or accidents could pay around $3,008 or more
• An auto insurance policy to insure a teenage driver for full coverage can cost $5,356 each year

View Chart as Image

Car insurance prices for a Kia Rio also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Rio.

Opting for high physical damage deductibles can save as much as $490 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $423 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 extra annually, depending on your age. Kia Rio insurance for high-risk drivers ranges around 43% to 137% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Kia Rio insurance rates. A good driver about age 40 could pay as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2022 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for the Cheapest Kia Rio Insurance

Finding better rates on auto insurance takes having a good driving record, maintaining a good credit score, refrain from filing small claims, and avoiding coverage lapses. Set aside time to shop around every other policy renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a recap of the ideas that were raised in the charts and tables above.

• Drivers age 20 and younger pay the highest auto insurance prices, with the cost nearing $446 per month if the policy includes full coverage
• Drivers that have major violations or accidents could be charged and average of $1,630 more per year to buy Kia Rio insurance
• Increasing policy deductibles could save as much as $500 each year
• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date

Wondering how much is insurance on a 2020 Kia Rio? Shopping ahead for insurance rates will help you save on every model year, such as 2020 or 2016 Kia Rio insurance costs.

To find the best insurance group for a Kia Rio to save on Kia Rio costs, enter your ZIP code in our free tool below.

What are the safety ratings of the Kia Rio?

Is the Kia Rio a good car? Having a car with good safety ratings and features can help drivers save on Kia Rio premium insurance. The Kia Rio has some decent safety features, such as protective airbags, brake assist, electronic stability control, and traction control.

The Kia Rio also has a 2019 Top Safety Pick award from the Insurance Institute for Highway Safety (IIHS). Take a look at the Kia Rio’s safety ratings below.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Acceptable
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Keep in mind that safety ratings can vary between model years, so the cost of 2019 versus 2018 Kia Rio insurance may be different. However, the most drastic differences in safety ratings will be in older cars, so the Kia Rio 2007 cost of insurance will certainly be different than the 2020 Kia Rio cost of insurance.

To see how the IIHS crash-tested the Kia Rio, watch the video below.

In the table below, check out the Kia Rio crash test ratings as performed by the National Highway Traffic Safety Administration.

Kia Rio Crash Test Ratings

A 5-star rating is the highest possible score given by the National HighwayTraffic Safety Administration. Unfortunately, Kia Rio models that are from 2017 or older have a safety concern.

Dring the side barrier crash tests, the rear passenger drummer was injured in the torso. Depending on what model year you drive, this might impact your car insurance rates.

Kia Rio Compared Against Other Vehicles in the Same Class

The Kia Rio is a minicar, which usually means a car won’t have high liability rates, as it won’t be able to cause much damage to other cars. However, the IIHS found that property damage liability losses for the Kia Rio were substantially worse than average in comparison to other minicars.

Check out more of the Kia Rio insurance loss probability details in the table below.

Kia Rio Insurance Loss Probability

The higher the number, the worse the insurance loss ratio. As mentioned before, the Kia Rio is worse than average in two categories. Fortunately, the comprehensive insurance loss ratio for the Kia Rio is actually better than average.

The list of minicars below will help you understand how the Kia Rio’s liability rates are different from others in its class.

• Chevrolet Spark
• Ford Fiesta
• Hyundai Accent

Now that you’re ready to start saving on Kia Rio insurance rates, enter your five-digit ZIP code into our FREE rate comparison tool to start shopping. We’ll help you find an affordable Kia Rio car insurance company near you.

References

1. https://www.iihs.org/ratings/vehicle/Kia/rio-4-door-hatchback/2020