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.

Average insurance prices for a Kia Rio are $1,380 every 12 months with full coverage. Comprehensive costs on average $244, collision insurance costs $506, and liability is $450. Buying just liability costs around $518 a year, and insurance for high-risk drivers costs around $3,002. 16-year-old drivers receive the highest rates at up to $5,326 a year.

Average premium for full coverage: $1,380

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Rio trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have more infrequent collision claims than congested cities. The price range example below illustrates how your location can change car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

The chart below details average Kia Rio insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $799
• Raising to $1,000 deductibles will save around $168 annually
• The average price for a 40-year-old driver with $500 deductibles is $1,380
• Buying more expensive low deductibles increases the price to $1,714
• Drivers with multiple tickets or accidents could pay upwards of $3,002
• The cost to insure a 16-year-old driver with full coverage may cost $5,326

View Chart as Image

Auto insurance rates for a Kia Rio can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Rio.

Opting for high physical damage deductibles can reduce rates by up to $510 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $405 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 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 137% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Kia Rio insurance prices. A middle-age driver might find rates as low as $990 a year in states like New Hampshire, Ohio, and Utah, or at least $1,860 on average in Florida, Michigan, and New York.

View Chart as Image

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 More Affordable Kia Rio Insurance

Saving money on insurance for a Kia Rio consists of avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a summary of the data that was illustrated above.

• You may be able to save as much as $160 per year just by shopping early and online
• Insureds who require increased liability limits will pay around $500 every year to raise from a minimum limit to a 250/500 level
• Drivers under the age of 20 are charged the highest rates, with premiums as much as $444 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,620 more each year to insure a Kia Rio

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