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 auto insurance rates for a Kia Rio are $1,368 annually with full coverage. Comprehensive costs approximately $228 a year, collision insurance costs $474, and liability coverage 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:

Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and Rio trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations are statistically proven to have fewer collision claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance prices.

These rate differences demonstrate why it is important to compare prices using their specific location and their own personal driving habits, rather than using price averages.

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

More Rate Information

The chart below details average Kia Rio insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $794
• Using higher $1,000 deductibles will save $1,208 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,368
• Choosing low $100 deductibles for physical damage coverage will cost $1,680
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,978
• An auto insurance policy with full coverage for a teenage driver can cost $5,336 or more

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $480 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $438 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Kia Rio insurance rates. A driver around age 40 might see prices as low as $980 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,840 on average in New York, Michigan, and Florida.

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 Buy the Best Cheap Kia Rio Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having good credit, being claim-free, and consideration of higher deductibles. Invest the time to compare rates every time your policy renews by getting quotes from direct companies, and also from your local independent and exclusive agents.

Below is a quick review of the information presented in the illustrations above.

• You may be able to save around $160 per year just by quoting early and online
• Teenage drivers are the costliest to insure, possibly costing $445 per month if they have full coverage
• Increasing policy deductibles could save up to $475 each year
• Drivers with a DUI or reckless driving violation may pay on average $1,610 more per year for auto insurance
• Consumers who purchase higher levels of liability will pay about $540 every year to increase from 30/60 bodily injury limits to higher 250/500 limits

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