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 rates for a Kia Rio are $1,368 a year for full coverage. Comprehensive costs on average $228, collision costs $474, and liability coverage costs $486. A policy with just liability insurance costs as little as $548 a year, with coverage for high-risk drivers costing around $2,978. 16-year-old drivers pay the highest rates at $5,336 a year or more.

Average premium for full coverage: $1,368

Price estimates by individual coverage:

Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all Rio models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have lower incidents of accident claims than congested cities.

The example below illustrates the difference location can make on car insurance rates.

The ranges above show why everyone should compare rates based on a specific location, rather than using rate averages.

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

Rate Comparisons

The chart below shows estimated Kia Rio insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $794
• Drivers who choose higher $1,000 deductibles will pay around $160 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,368
• Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,680
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,978 or more
• The price that insures a teenage driver for full coverage may cost $5,336 a year

View Chart as Image

Insurance prices for a Kia Rio are also quite variable based on the model of your Rio, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,600 to $2,300 extra each year, depending on your age. Kia Rio insurance for high-risk drivers can cost around 43% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $5,300 a year. View Rates by Age

The state you live in makes a big difference in Kia Rio insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or at least $1,950 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $480 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $438 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices and see how they stack up. Every company utilizes a different rate formula, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 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 the Right Kia Rio Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, eliminating unnecessary coverage, and bundling your home and auto policies. Comparison shop every year by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below is a quick rundown of the coverage data touched on in this article.

• Drivers can save as much as $160 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $475 each year
• Teenage drivers pay the highest prices, with premiums as much as $445 a month if full coverage is included
• Drivers with reckless driving or DUI convictions may pay on average $1,610 more each year for auto 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.

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.

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