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 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:

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

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.

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.

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

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.

View Chart as Image

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 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.

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