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 including full coverage. Comprehensive insurance costs on average $228 each year, collision costs $474, and liability coverage costs around $486. A policy with just liability insurance costs as low as $548 a year, with coverage for high-risk drivers costing $2,978 or more. Teenage drivers pay the highest rates at $5,336 a year or more.

Average premium for full coverage: $1,368

Price estimates by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Rio models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above highlight why all drivers should compare prices based on a specific location and risk profile, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $794
• Using higher $1,000 deductibles will save around $160 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,368
• Using low deductibles for physical damage coverage will cost an extra $312 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,978 or more
• The price for full coverage for a teenage driver may cost $5,336 or more

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $5,300 a year. View Rates by Age

The state you live in has a huge impact on Kia Rio insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,950 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $480 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $438 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can be around 43% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices 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 More Affordable Kia Rio Insurance

Getting lower rates on auto insurance requires avoiding accidents and violations, maintaining good credit, being claim-free, and bundling your home and auto policies. Take the time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a summary of the information covered in the above illustrations.

• You may be able to save as much as $160 per year simply by quoting online in advance
• Teenagers pay the highest prices, possibly costing $445 a month for full coverage
• Increasing physical damage deductibles can save around $475 each year
• Drivers who have multiple accidents or major violations may pay on average $1,610 more each year for car insurance
• Consumers who require higher liability limits will pay an extra $540 per 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