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 for full coverage insurance. Comprehensive insurance costs around $236, collision costs $494, and liability insurance costs $470. Liability-only coverage costs as little as $536 a year, with high-risk coverage costing $3,008 or more. Teens receive the highest rates at $5,356 a year or more.

Average premium for full coverage: $1,380

Rate estimates for individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all Rio models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than cities with more traffic congestion.

The example below illustrates how geographic area affects auto insurance rates.

These examples illustrate why everyone should compare rates for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $798
• Drivers who choose higher $1,000 deductibles will pay about $164 each year
• The average price for a 40-year-old driver using $500 deductibles is $1,380
• Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $326 a year
• High risk drivers with serious driving violations could pay at least $3,008 or more
• The cost to insure a teen driver for full coverage can be $5,356 a year

View Chart as Image

Car insurance rates for a Kia Rio can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $490 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $423 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged as much as $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,700 to $2,300 extra per year, depending on your age. Kia Rio insurance for high-risk drivers can cost anywhere from 43% to 137% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Kia Rio insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,860 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Every company calculates rates differently, so rate quotes can be significantly 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 More Affordable Kia Rio Insurance

Saving money on Kia Rio insurance not only requires having a decent driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates every year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a summary of the coverage data presented in the illustrations above.

• It is possible to save up to $160 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $500 each year
• 16 to 18-year-old drivers are the costliest to insure, costing up to $446 per month if the policy includes full coverage
• High-risk drivers who have multiple accidents or major violations may pay on average $1,630 more every year than a driver with a clean driving record

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