Kia Rio LX Insurance Rates

Average insurance rates for a Kia Rio LX are $1,400 a year with full coverage. Comprehensive insurance costs around $270, collision costs $540, and liability coverage costs $410. Only liability insurance costs as little as $486 a year, with high-risk insurance costing $3,036 or more. Teen drivers receive the highest rates at $5,306 a year or more.

Annual premium for full coverage: $1,400

Rate estimates for type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Kia Rio Trim Level

These differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Insurance rates for a Kia Rio LX can also vary considerably based on your driver profile, the actual cash value of your Rio, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age

Where you live makes a big difference in Kia Rio LX insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $550 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $369 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance can cost around 43% to 135% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to compare rates and see how they stack up. Every company uses a different rate calculation, so the rates can be significantly different from one company to the next.

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The chart above shows Kia Rio LX insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $810. Drivers who choose higher $1,000 deductibles will pay around $1,218. The average rate for a driver age 40 with no violations using $500 deductibles is $1,400. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $1,762. High risk drivers could be charged as much as $3,036. The price for full coverage for a 16-year-old driver is $5,306.

View Chart as Image