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.

Average insurance rates for a Kia Rio are $1,368 a year with full coverage. Comprehensive insurance costs approximately $228 a year, collision costs $474, and liability insurance costs around $486. Liability-only coverage costs as low as $548 a year, with high-risk coverage costing $2,978 or more. Teen drivers receive the highest rates at $5,336 a year or more.

Average premium for full coverage: $1,368

Rate estimates by individual coverage type:

These estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Rio trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

These examples demonstrate why it is important to compare prices using their specific location and risk profile, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below details estimated 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 average rate for a 40-year-old driver who chooses $500 deductibles is $1,368
• Choosing low $100 deductibles for physical damage coverage will cost an extra $312 a year
• Drivers with multiple violations and an at-fault accident could pay around $2,978 or more
• The cost for full coverage for a teen driver can cost $5,336 or more

View Chart as Image

Car insurance rates for a Kia Rio can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $5,300 a year. View Rates by Age

Where you live has a huge impact on Kia Rio insurance rates. A driver around age 40 might see rates 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

Choosing high deductibles could cut rates by as much as $480 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $438 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes can be significantly different from one company to the next.

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 Cheap Kia Rio Insurance

Saving money on Kia Rio insurance requires having a good driving record, having above-average credit, eliminating unnecessary coverage, and avoiding coverage lapses. Invest the time to shop around every other policy renewal by requesting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The next list is a brief summary of the ideas that were illustrated above.

• Drivers age 20 and younger pay the highest auto insurance rates, with premiums as much as $445 per month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations pay on average $1,610 more per year to buy Kia Rio insurance
• Increasing deductibles can save around $475 each year
• You may be able to save around $160 per year simply by quoting early and online

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