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.

The average insurance rates for a Kia Rio are $1,380 a year with full coverage. Comprehensive costs around $244, collision insurance costs $506, and liability coverage is $450. A liability-only policy costs around $518 a year, and high-risk insurance costs around $3,002. Teen drivers cost the most to insure at up to $5,326 a year.

Average premium for full coverage: $1,380

Policy rates for type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Rio trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than larger metro areas. The price range example below illustrates how location impacts auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than using price averages.

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

Additional Rate Analysis

The chart below details average Kia Rio insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $799
• Raising to $1,000 deductibles will save about $168 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,380
• Choosing more expensive low deductibles bumps up the cost to $1,714
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,002
• Policy cost that insures a teenage driver with full coverage can be $5,326

View Chart as Image

Car insurance rates for a Kia Rio also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 137% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $5,300 a year. View Rates by Age

Your home state also has a big influence on Kia Rio insurance rates. A middle-age driver might find rates as low as $990 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,860 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $510 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $405 extra every 12 months. View Rates by Deductible or Liability Limit

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 Find the Best Kia Rio Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having a positive credit history, not filing small claims, and consideration of higher deductibles. Shop around at every other renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a brief recap of the concepts that were touched on above.

• Drivers who tend to receive serious violations may pay on average $1,620 more every year for car insurance
• Teenagers are the costliest to insure, as much as $444 each month if full coverage is purchased
• You may be able to save up to $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• You may be able to save up to $160 per year just by shopping early and online

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