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 rates for a Kia Rio are $1,380 a year for full coverage. Comprehensive costs around $236 each year, collision costs $494, and liability costs around $470. Liability-only insurance costs as low as $536 a year, with high-risk driver insurance costing around $3,008. Teen drivers pay the most at $5,356 a year or more.

Average premium for full coverage: $1,380

Premium estimates for type of coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Rio models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than larger metro areas.

The graphic below illustrates how rural and urban location affects auto insurance rates.

These rate differences show why all drivers should compare prices for a specific zip code, instead of using price averages.

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

Detailed Rate Analysis

The chart below shows estimated Kia Rio insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $798
• Using higher $1,000 deductibles will save about $164 a year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,380
• Choosing low deductibles for physical damage coverage bumps up the cost to $1,706
• Drivers with multiple violations and an at-fault accident could pay at least $3,008 or more
• An auto insurance policy that insures a teen driver can be $5,356 or more

View Chart as Image

Insurance prices for a Kia Rio also have a wide range based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,700 to $2,300 additional annually, depending on your age. Insurance for high-risk drivers can be as much as 43% to 137% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,300 a year. View Rates by Age

Where you choose to live has a huge impact on Kia Rio insurance prices. A driver around age 40 might see prices as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $490 every year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $423 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know your exact price is to do a rate comparison and see which company has the best price. Each insurance company uses a different rate calculation, and prices 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 Find the Best Cheap Kia Rio Insurance

Finding better rates on car insurance requires avoiding accidents and violations, having a good credit score, not filing small claims, and taking advantage of discounts. Shop around at every policy renewal by requesting rates from direct carriers, and also from several local insurance agents.

The list below is a quick review of the data raised in the charts and tables above.

• Policyholders who may need higher liability limits will pay about $520 each year to increase from 30/60 bodily injury limits to the 250/500 level
• Drivers can save up to $160 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $500 each year
• Teenagers are charged the highest prices, as much as $446 per month if comprehensive and collision insurance is included

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