Kia Rio Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 30, 2020

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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 $1,380 a year for full coverage. Comprehensive costs on average $244 a year, collision costs $506, and liability insurance costs $450. A liability-only policy costs as little as $518 a year, with high-risk insurance costing around $3,002. Teen drivers receive the highest rates at $5,326 a year or more.

Average premium for full coverage: $1,380

Rate estimates by individual coverage type:

Comprehensive $244
Collision $506
Liability $450

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Rio trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $518 for only liability insurance to a high of $3,002 for a high risk driver.

Liability Only $518
Full Coverage $1,380
High Risk $3,002

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,035
Small Cities $1,449
Large Cities $1,863

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $799
  • Drivers who choose higher $1,000 deductibles will pay around $1,212 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,380
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,714
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,002 or more
  • The cost for full coverage for a teen driver may cost $5,326 a year

View Chart as Image

Kia Rio insurance cost comparison chart
Column chart showing full coverage Kia Rio insurance rates range from $799 to $5,326

for a Kia Rio can also vary considerably based on your driver profile, the trim level of your Rio, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,300 a year. View Rates by Age

Where you live makes a big difference in Kia Rio insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,970 on average in Michigan, Louisiana, and New York.

Kia Rio Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,248 -$132 -9.6%
Alaska $1,060 -$320 -23.2%
Arizona $1,146 -$234 -17.0%
Arkansas $1,380 -$0 0.0%
California $1,574 $194 14.1%
Colorado $1,318 -$62 -4.5%
Connecticut $1,416 $36 2.6%
Delaware $1,564 $184 13.3%
Florida $1,726 $346 25.1%
Georgia $1,276 -$104 -7.5%
Hawaii $992 -$388 -28.1%
Idaho $938 -$442 -32.0%
Illinois $1,028 -$352 -25.5%
Indiana $1,042 -$338 -24.5%
Iowa $930 -$450 -32.6%
Kansas $1,312 -$68 -4.9%
Kentucky $1,882 $502 36.4%
Louisiana $2,044 $664 48.1%
Maine $852 -$528 -38.3%
Maryland $1,140 -$240 -17.4%
Massachusetts $1,104 -$276 -20.0%
Michigan $2,396 $1,016 73.6%
Minnesota $1,156 -$224 -16.2%
Mississippi $1,656 $276 20.0%
Missouri $1,224 -$156 -11.3%
Montana $1,482 $102 7.4%
Nebraska $1,088 -$292 -21.2%
Nevada $1,656 $276 20.0%
New Hampshire $996 -$384 -27.8%
New Jersey $1,544 $164 11.9%
New Mexico $1,222 -$158 -11.4%
New York $1,454 $74 5.4%
North Carolina $796 -$584 -42.3%
North Dakota $1,130 -$250 -18.1%
Ohio $952 -$428 -31.0%
Oklahoma $1,416 $36 2.6%
Oregon $1,264 -$116 -8.4%
Pennsylvania $1,316 -$64 -4.6%
Rhode Island $1,842 $462 33.5%
South Carolina $1,254 -$126 -9.1%
South Dakota $1,166 -$214 -15.5%
Tennessee $1,208 -$172 -12.5%
Texas $1,662 $282 20.4%
Utah $1,022 -$358 -25.9%
Vermont $944 -$436 -31.6%
Virginia $826 -$554 -40.1%
Washington $1,066 -$314 -22.8%
West Virginia $1,266 -$114 -8.3%
Wisconsin $954 -$426 -30.9%
Wyoming $1,232 -$148 -10.7%

View Chart as Image

Kia Rio insurance rates by U.S. city

Choosing high deductibles could save up to $510 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $405 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 137% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Kia Rio Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Rio $1,340 $112
Kia Rio LX $1,380 $115
Kia Rio SX $1,452 $121

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.

Kia Rio Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia Rio $244 $506 $450 $1,380
2019 Kia Rio $236 $494 $470 $1,380
2018 Kia Rio $228 $474 $486 $1,368
2016 Kia Rio $206 $424 $510 $1,320
2014 Kia Rio $190 $358 $520 $1,248
2013 Kia Rio $178 $330 $520 $1,208
2012 Kia Rio $172 $310 $524 $1,186
2011 Kia Rio $168 $288 $534 $1,170
2009 Kia Rio $150 $244 $540 $1,114
2008 Kia Rio $140 $222 $534 $1,076
2007 Kia Rio $132 $202 $534 $1,048
2006 Kia Rio $128 $182 $530 $1,020
2002 Kia Rio $110 $152 $500 $942

Rates are averaged for all Kia Rio models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Kia Rio Insurance

Saving money on Kia Rio insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $500 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $500 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $444 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,620 more each year for 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.

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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
Vehicle TestedOverallFrontalSideRollover
2021 Kia Rio 5 4 DR FWDN/RN/RN/RN/R
2021 Kia Rio 4 DR FWDN/RN/RN/RN/R
2020 Kia Rio 5 HB FWDN/RN/RN/RN/R
2020 Kia Rio 4 DR FWDN/RN/RN/RN/R
2019 Kia Rio 5 HB FWDN/RN/RN/RN/R
2019 Kia Rio 4 DR FWDN/RN/RN/RN/R
2018 Kia Rio 5 HB FWDN/RN/RN/RN/R
2018 Kia Rio 4 DR FWDN/RN/RN/RN/R
2017 Kia Rio 5 HB FWD4 stars4 stars5 stars4 stars
2017 Kia Rio 4 DR FWD4 stars4 stars5 stars4 stars
2016 Kia Rio 5 HB FWD4 stars4 stars5 stars4 stars
2016 Kia Rio 4 DR FWD4 stars4 stars5 stars4 stars
2015 Kia Rio 5 HB FWD4 stars4 stars5 stars4 stars
2015 Kia Rio 4 DR FWD4 stars4 stars5 stars4 stars
2014 Kia Rio 5 HB FWD4 stars4 stars5 stars4 stars
2014 Kia Rio 4 DR FWD4 stars4 stars5 stars4 stars
2013 Kia Rio 5 HB FWD4 stars4 stars5 stars4 stars
2013 Kia Rio 4 DR FWD4 stars4 stars5 stars4 stars
2012 Kia Rio 5 HB FWD4 stars4 stars5 stars4 stars
2012 Kia Rio 4 DR FWD4 stars4 stars5 stars4 stars
2011 Kia Rio SW FWDN/RN/RN/R4 stars
2011 Kia Rio 4 DR FWDN/RN/RN/R4 stars
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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
Insurance Coverage CategoryLoss Rate
Collision32%
Property Damage48%
Comprehensive-21%
Personal InjuryNo data
Medical PaymentNo data
Bodily InjuryNo data
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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.

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

Rates by Driver Age

Kia Rio Insurance Rates by Driver Age
Driver Age Premium
16 $5,326
20 $3,226
30 $1,432
40 $1,380
50 $1,266
60 $1,242

Full coverage, $500 deductibles

Rates by Deductible

Kia Rio Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,714
$250 $1,558
$500 $1,380
$1,000 $1,212

Full coverage, driver age 40

Rates by Liability Limit

Kia Rio Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,380
50/100 $1,542
100/300 $1,655
250/500 $1,947
100 CSL $1,587
300 CSL $1,835
500 CSL $2,015

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Rio Insurance Rates for High Risk Drivers
Age Premium
16 $7,572
20 $5,132
30 $3,060
40 $3,002
50 $2,870
60 $2,846

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $100
5-yr Claim Free $89
Paid in Full/EFT $61
Advance Quote $68
Online Quote $96
Total Discounts $581
Rate after discounts $799

Discounts are estimated and may not be available from every company or in every state.

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