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.

U.S. average insurance prices for a Kia Rio are $1,380 every 12 months including full coverage. Comprehensive insurance costs an estimated $236 a year, collision insurance costs $494, and liability is $470. A policy with just liability insurance costs around $536 a year, and coverage for high-risk drivers costs $3,008 or more. Teenage drivers pay the highest rates at up to $5,356 a year.

Average premium for full coverage: $1,380

Price estimates broken down by individual coverage:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Rio trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how location helps determine insurance prices.

The ranges above highlight why it is important to compare rates quotes for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below breaks down average Kia Rio insurance rates for other coverage scenarios.

• The best discount rate is $798
• Raising to $1,000 deductibles will save approximately $1,216 every year
• The average price for the average middle-age driver who has $500 deductibles is $1,380
• Using low $100 deductibles costs an extra $326 annually
• Drivers who are prone to accidents and violations could pay up to $3,008
• The price to insure a 16-year-old driver can cost as much as $5,356

View Chart as Image

Insurance prices for a Kia Rio are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can reduce prices by up to $490 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $423 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 137% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Kia Rio insurance prices. A middle-age driver might find prices as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,970 on average in Louisiana, New York, and Michigan.

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

Getting lower rates on insurance for a Kia Rio consists of being safe and accident-free, having good credit, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates once a year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a summary of the data that was covered in the charts and tables above.

• You may be able to save approximately $160 per year just by quoting early and online
• Insureds who want more liability protection will pay an extra $520 per year to raise from a low limit to a 250/500 level
• Youthful drivers are charged the highest prices, possibly costing $446 a month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,630 more annually than a low-risk driver

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