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 around $228, collision insurance costs $474, and liability coverage costs around $486. Liability-only coverage costs as low as $548 a year, and high-risk coverage costs $2,978 or more. Teens pay the highest rates at up to $5,336 a year.

Average premium for full coverage: $1,368

Price estimates for individual coverage:

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Rio models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance rates.

The ranges above highlight why everyone should compare prices for a specific zip code, rather than using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $794
• Using higher $1,000 deductibles will save about $160 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,368
• Selecting pricier low deductibles for physical damage coverage will cost an additional $312 each year
• Higher-risk drivers with serious driving violations could pay at least $2,978
• The price that insures a teenage driver for full coverage can be $5,336 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at least $1,600 to $2,300 in extra premium each year, depending on your age. Kia Rio insurance for high-risk drivers can be around 43% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $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 have to pay at least $1,950 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $480 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $438 extra every 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 Affordable Kia Rio Insurance

Getting lower rates on auto insurance requires having a decent driving record, maintaining a good credit score, being claim-free, and possibly raising deductibles. Compare rates every other policy renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a brief review of the ideas that were touched on in the above illustrations.

• 16 to 18-year-old drivers are expensive to insure, possibly costing $445 a month if the policy includes full coverage
• Drivers with DUI or reckless driving convictions may have to pay on average $1,610 more every year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $475 each year
• You may be able to save up to $160 per year just by quoting online well ahead of the renewal date

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