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.

Estimated insurance rates for a Kia Rio are $1,380 a year including full coverage. Comprehensive insurance costs approximately $244 a year, collision insurance costs $506, and liability costs around $450. A policy with only liability insurance costs as low as $518 a year, and a high-risk policy costs $3,002 or more. Teens pay the most at up to $5,326 a year.

Average premium for full coverage: $1,380

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Rio trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance prices.

These rate differences highlight 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.

Detailed Rate Analysis

The chart below breaks down average Kia Rio insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $799
• Using higher $1,000 deductibles will save $1,212 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,380
• Selecting low $100 deductibles for physical damage coverage will cost an extra $334 every year
• Drivers with serious driving violations could pay around $3,002
• An auto insurance policy for full coverage for a teen driver can cost $5,326 or more

View Chart as Image

Car insurance prices for a Kia Rio also have a wide range based on your driving characteristics, the model 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, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $5,300 a year. View Rates by Age

Where you choose to live has a huge impact on Kia Rio insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $510 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $405 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 extra annually, 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

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 better rates on car insurance requires avoiding accidents and claims, having above-average credit, refrain from filing small claims, and attention to physical damage deductibles. Invest the time to compare rates once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a brief summary of the data that was presented in the illustrations above.

• You may be able to save around $160 per year just by quoting early and online
• Policyholders who purchase increased liability limits will pay approximately $500 per year to increase from 30/60 bodily injury limits to 250/500 limits
• Drivers under the age of 20 pay the highest auto insurance prices, with the cost nearing $444 per 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 per year to insure a Kia Rio

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