1. Vehicles
  2. Kia
  3. Rio

Kia Rio Insurance Rates

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

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 ...

Full Bio →

Written by

UPDATED: Apr 30, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 prices for a Kia Rio are $1,386 every 12 months including full coverage. Comprehensive costs approximately $254, collision insurance costs $512, and liability is estimated at $440. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs around $3,008. Teen drivers pay the highest rates at up to $5,308 a year.

Average premium for full coverage: $1,386

Price estimates by individual coverage:

Comprehensive $254
Collision $512
Liability $440

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all Rio models.

Price Range from Low to High

Using a 40-year-old driver as an example, Kia Rio insurance prices range from the cheapest price of $510 for a discount liability-only rate to the much higher price of $3,008 for a policy for a high-risk driver.

Liability Only $510
Full Coverage $1,386
High Risk $3,008

Geographic Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,040
Small Cities $1,455
Large Cities $1,871

The ranges above highlight why everyone should get quotes using their specific location and their own driving history, instead of making a decision based 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.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $803
  • Choosing higher $1,000 deductibles can save $174 every year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,386
  • Choosing pricier low deductibles for comp and collision coverage increases the price to $1,724
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,008
  • The price to insure a 16-year-old driver for full coverage can cost $5,308 each year

View Chart as Image

Kia Rio insurance cost comparison chart
Column chart showing Kia Rio insurance rates range from $803 to $5,308 for full coverage

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

Choosing high deductibles can save as much as $520 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $396 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 additional each year, depending on your age. Kia Rio insurance for high-risk drivers ranges from 43% to 137% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Kia Rio insurance prices. A good driver about age 40 could pay as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,980 on average in Louisiana, New York, and Michigan.

Kia Rio Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,252 -$134 -9.7%
Alaska $1,064 -$322 -23.2%
Arizona $1,152 -$234 -16.9%
Arkansas $1,386 -$0 0.0%
California $1,578 $192 13.9%
Colorado $1,320 -$66 -4.8%
Connecticut $1,424 $38 2.7%
Delaware $1,568 $182 13.1%
Florida $1,732 $346 25.0%
Georgia $1,278 -$108 -7.8%
Hawaii $992 -$394 -28.4%
Idaho $938 -$448 -32.3%
Illinois $1,030 -$356 -25.7%
Indiana $1,046 -$340 -24.5%
Iowa $936 -$450 -32.5%
Kansas $1,316 -$70 -5.1%
Kentucky $1,890 $504 36.4%
Louisiana $2,050 $664 47.9%
Maine $856 -$530 -38.2%
Maryland $1,144 -$242 -17.5%
Massachusetts $1,106 -$280 -20.2%
Michigan $2,406 $1,020 73.6%
Minnesota $1,158 -$228 -16.5%
Mississippi $1,660 $274 19.8%
Missouri $1,230 -$156 -11.3%
Montana $1,490 $104 7.5%
Nebraska $1,092 -$294 -21.2%
Nevada $1,662 $276 19.9%
New Hampshire $1,000 -$386 -27.8%
New Jersey $1,550 $164 11.8%
New Mexico $1,226 -$160 -11.5%
New York $1,460 $74 5.3%
North Carolina $798 -$588 -42.4%
North Dakota $1,134 -$252 -18.2%
Ohio $956 -$430 -31.0%
Oklahoma $1,422 $36 2.6%
Oregon $1,270 -$116 -8.4%
Pennsylvania $1,320 -$66 -4.8%
Rhode Island $1,850 $464 33.5%
South Carolina $1,254 -$132 -9.5%
South Dakota $1,170 -$216 -15.6%
Tennessee $1,212 -$174 -12.6%
Texas $1,668 $282 20.3%
Utah $1,024 -$362 -26.1%
Vermont $950 -$436 -31.5%
Virginia $828 -$558 -40.3%
Washington $1,068 -$318 -22.9%
West Virginia $1,270 -$116 -8.4%
Wisconsin $958 -$428 -30.9%
Wyoming $1,234 -$152 -11.0%

View Chart as Image

Kia Rio insurance rates by U.S. city

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 $1,344 $112
Kia Rio LX $1,386 $116
Kia Rio SX $1,458 $122

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 $254 $512 $440 $1,386
2019 Kia Rio $244 $506 $450 $1,380
2018 Kia Rio $236 $494 $470 $1,380
2017 Kia Rio $228 $474 $486 $1,368
2016 Kia Rio $216 $458 $500 $1,354
2015 Kia Rio $206 $424 $510 $1,320
2014 Kia Rio $198 $400 $514 $1,292
2013 Kia Rio $190 $358 $520 $1,248
2012 Kia Rio $178 $330 $520 $1,208
2011 Kia Rio $172 $310 $524 $1,186
2010 Kia Rio $168 $288 $534 $1,170
2009 Kia Rio $156 $268 $534 $1,138
2008 Kia Rio $150 $244 $540 $1,114
2007 Kia Rio $140 $222 $534 $1,076
2006 Kia Rio $132 $202 $534 $1,048
2005 Kia Rio $128 $182 $530 $1,020
2004 Kia Rio $126 $178 $520 $1,004
2003 Kia Rio $124 $168 $510 $982
2002 Kia Rio $114 $160 $504 $958
2001 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 Shop for the Right Kia Rio Insurance

Getting lower rates on insurance for a Kia Rio takes avoiding accidents and violations, having above-average credit, being claim-free, and consideration of higher deductibles. Set aside time to shop around every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The list below is a quick rundown of the coverage data raised in the charts and tables above.

  • You may be able to save around $160 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save as much as $500 each year
  • Teenagers are the costliest to insure, possibly costing $442 a month if full coverage is included
  • Drivers considered higher risk with reckless driving or DUI convictions could be charged and average of $1,620 more per year for car 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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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
Get Your Rates Quote Now

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
Get Your Rates Quote Now

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 $5,308
20 $3,226
30 $1,438
40 $1,386
50 $1,268
60 $1,244

Full coverage, $500 deductibles

Rates by Deductible

Kia Rio Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,724
$250 $1,566
$500 $1,386
$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 $1,386
50/100 $1,546
100/300 $1,656
250/500 $1,942
100 CSL $1,590
300 CSL $1,832
500 CSL $2,008

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Rio Insurance Rates for High Risk Drivers
Age Premium
16 $7,554
20 $5,132
30 $3,066
40 $3,008
50 $2,874
60 $2,850

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 $194

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 $101
5-yr Claim Free $89
Paid in Full/EFT $62
Advance Quote $68
Online Quote $96
Total Discounts $583
Rate after discounts $803

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles