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.

The average insurance rates for a Kia Rio are $1,380 a year for full coverage. Comprehensive costs around $236 each year, collision insurance costs $494, and liability is $470. A liability-only policy costs around $536 a year, and high-risk insurance costs around $3,008. Teenage drivers cost the most to insure at up to $5,356 a year.

Average premium for full coverage: $1,380

Policy rates for type of insurance:

Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all states and Rio models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

The examples above show why all drivers should compare rates quotes for a specific zip code and risk profile, instead of using average rates.

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

Rates by State, City, and Model

The chart below shows average Kia Rio insurance rates for additional coverage choices and driver risks.

• The best discount rate is $798
• Raising to $1,000 deductibles will save about $164 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,380
• Using low deductibles will increase the cost to $1,706
• At-risk drivers who are prone to accidents and violations could pay at least $3,008
• Policy cost for full coverage for a teen driver can be $5,356

View Chart as Image

Car insurance rates for a Kia Rio also range considerably based on your risk profile, the trim level of your Rio, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,300 a year. View Rates by Age

Your home state also has a big influence on Kia Rio insurance prices. A middle-age driver might find rates as low as $910 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $490 every year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $423 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 137% more than a normal policy. View High Risk Driver Rates

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 Find More Affordable Kia Rio Insurance

Finding cheaper rates on car insurance consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates every year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a summary of the coverage data covered in the above illustrations.

• Drivers can save up to $160 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $500 each year
• Drivers age 20 and younger are the costliest to insure, costing up to $446 each month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,630 more every year to buy Kia Rio insurance

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