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 $1,368 a year with full coverage. Comprehensive insurance costs on average $228, collision insurance costs $474, and liability is $486. Liability-only coverage costs around $548 a year, and high-risk coverage costs $2,978 or more. Teens cost the most to insure at up to $5,336 a year.

Average premium for full coverage: $1,368

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different Rio trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $794
• Raising to $1,000 deductibles will save around $160 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,368
• Selecting more expensive low deductibles will cost an extra $312 every year
• At-risk drivers with serious driving violations could pay upwards of $2,978
• Policy cost for full coverage for a teen driver with full coverage may cost $5,336

View Chart as Image

Insurance rates for a Kia Rio also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

An older driver with no violations or accidents 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 should be prepared to pay upwards of $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 $980 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,840 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $480 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $438 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,300 additional every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 130% more than the average 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 Cheaper Kia Rio Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around at least every other year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The list below is a condensed summary of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,610 more each year for car insurance
• You may be able to save as much as $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $475 each year
• Policyholders who require higher liability limits will pay approximately $540 every year to raise from a 30/60 limit to 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