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 prices for a Kia Rio are $1,368 every 12 months with full coverage. Comprehensive costs on average $228, collision insurance costs $474, and liability costs around $486. Liability-only insurance costs as low as $548 a year, and high-risk driver insurance costs around $2,978. Teen drivers pay the most at up to $5,336 a year.

Average premium for full coverage: $1,368

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Rio models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than larger metro areas. The example below illustrates the effect of geographic area on car insurance rates.

These rate differences demonstrate why everyone should compare prices based on a specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $794
• Using higher $1,000 deductibles will save around $160 annually
• The average price for a 40-year-old good driver with $500 deductibles is $1,368
• Choosing pricier low deductibles for physical damage coverage increases the price to $1,680
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,978
• An auto insurance policy to insure a 16-year-old driver for full coverage may cost $5,336 or more

View Chart as Image

Insurance prices for a Kia Rio also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Rio.

Choosing high deductibles could cut prices by as much as $480 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $438 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,300 additional annually, depending on your age. Kia Rio insurance for high-risk drivers can be from 43% to 130% more than average. View High Risk Driver Rates

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 $980 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,840 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 Affordable Kia Rio Insurance

Finding better rates on insurance for a Kia Rio requires avoiding accidents and claims, having above-average credit, being claim-free, and dropping full coverage on older vehicles. Take the time to compare rates at every policy renewal by getting quotes from direct companies, and also from local exclusive and independent agents.

The points below are a brief review of the data covered in the above illustrations.

• Insureds who require increased liability limits will pay about $540 every year to increase from 30/60 bodily injury limits to a 250/500 level
• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $475 each year
• Drivers under the age of 20 pay higher prices, possibly costing $445 per month if full coverage 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