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.

U.S. average insurance prices for a Kia Rio are $1,380 every 12 months for full coverage insurance. Comprehensive costs on average $236, collision costs $494, and liability is estimated at $470. Liability-only coverage costs approximately $536 a year, with high-risk coverage costing around $3,008. Teenage drivers pay the highest rates at $5,356 a year or more.

Average premium for full coverage: $1,380

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different Rio trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how geographic area affects car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below illustrates estimated Kia Rio insurance rates for different risk profiles and scenarios.

• The best discount rate is $798
• Choosing higher $1,000 deductibles can save around $164 each year
• The average price for the average middle-age driver with $500 deductibles is $1,380
• Using more expensive low deductibles for comp and collision coverage increases the price to $1,706
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,008 or more
• The price to insure a 16-year-old driver with full coverage may cost $5,356 each year

View Chart as Image

Auto insurance prices for a Kia Rio are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Rio.

Using high physical damage deductibles can save as much as $490 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $423 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance ranges from 43% to 137% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Kia Rio insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,860 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite 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 Low Cost Kia Rio Insurance

Getting lower rates on insurance for a Kia Rio takes having a decent driving record, having a good credit score, not filing small claims, and taking advantage of discounts. Invest the time to compare rates at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a review of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk who have several accidents or serious violations pay on average $1,630 more each year than a driver with a clean driving record
• It is possible to save as much as $160 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $500 each year
• Insureds who require additional liability coverage will pay an extra $520 annually to raise limits from a low limit to a 250/500 level

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