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 insurance. Comprehensive costs around $244 each year, collision insurance costs $506, and liability costs $450. Buying just liability costs as little as $518 a year, and insurance for high-risk drivers costs around $3,002. Teens cost the most to insure at up to $5,326 a year.

Average premium for full coverage: $1,380

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Rio models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance rates.

The examples above illustrate why all drivers should compare rates for a specific zip code, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $799
• Drivers who choose higher $1,000 deductibles will pay about $168 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,380
• Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,714
• Higher-risk drivers with serious driving violations could pay at least $3,002
• Policy cost that insures a teen driver can be $5,326 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 137% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $5,300 a year. View Rates by Age

Your home state makes a big difference in Kia Rio insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,860 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $510 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $405 more per year. View Rates by Deductible or Liability Limit

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

Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and dropping full coverage on older vehicles. Compare rates every couple of years by quoting rates from direct insurance companies, and also from insurance agencies where you live.

The list below is a brief summary of the material that was covered in the above illustrations.

• Policyholders who may need higher liability limits will pay approximately $500 annually to go from a 30/60 limit to the 250/500 level
• Teenagers pay higher rates, possibly costing $444 each month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,620 more every year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $500 each year

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