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 $1,380 a year for full coverage. Comprehensive insurance costs approximately $236 a year, collision costs $494, and liability costs around $470. Liability-only insurance costs as low as $536 a year, with high-risk driver insurance costing $3,008 or more. Teens pay the highest rates at $5,356 a year or more.

Average premium for full coverage: $1,380

Price estimates by individual coverage:

Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Rio trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural locations have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance prices.

The ranges above show why it is important to compare prices using their specific location and risk profile, instead of using averaged prices.

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

More Rate Information

The chart below shows estimated Kia Rio insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $798
• Using higher $1,000 deductibles will save $1,216 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,380
• Selecting low $100 deductibles for physical damage coverage will cost an extra $326 every year
• Drivers with serious driving violations could pay around $3,008 or more
• The price for full coverage for a teen driver can cost $5,356 or more

View Chart as Image

Car insurance prices for a Kia Rio are also quite variable based on your driving record, the trim level of your Rio, and physical damage deductibles and liability limits.

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

The state you live in has a huge impact on Kia Rio insurance prices. A driver around age 40 might see prices as low as $910 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,970 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $490 every year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $423 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 137% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Each insurance company calculates prices differently, so rate quotes may be quite different from one company to the next.

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 Low Cost Kia Rio Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and avoiding coverage lapses. Spend time shopping around every time your policy renews by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a review of the information touched on above.

• Drivers can save around $160 per year simply by quoting early and online
• Teenage drivers pay the highest auto insurance prices, with premiums as much as $446 a month if full coverage is included
• Increasing physical damage deductibles can save around $500 each year
• Higher risk drivers who have several accidents or serious violations may pay on average $1,630 more per year for auto insurance
• Policyholders who purchase higher levels of liability will pay approximately $520 each year to increase from a low 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.

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