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 prices for a Kia Rio are $1,380 every 12 months including full coverage. Comprehensive insurance costs an estimated $236, collision costs $494, and liability insurance costs around $470. A liability-only policy costs as low as $536 a year, with high-risk insurance costing $3,008 or more. Teenage drivers pay the most at $5,356 a year or more.

Average premium for full coverage: $1,380

Premium estimates broken down by type of coverage:

Rate estimates include $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for all Rio models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates the difference location can make on insurance prices.

These rate differences highlight why everyone should compare prices for a targeted area and their own driving history, rather than relying on average rates.

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

Additional Rate Information

The chart below breaks down estimated Kia Rio insurance rates for other coverage scenarios.

• The best discount rate is $798
• Using higher $1,000 deductibles will save approximately $164 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,380
• Using pricier low deductibles for physical damage coverage costs an extra $326 a year
• Drivers who are prone to accidents and violations could pay up to $3,008 or more
• An auto insurance policy to insure a teen driver for full coverage can cost as much as $5,356 or more

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Auto insurance prices for a Kia Rio also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $490 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $423 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,700 to $2,300 in extra premium annually, depending on your age. Kia Rio insurance for high-risk drivers can be anywhere from 43% to 137% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

With such a large range in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

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 Shop for the Best Kia Rio Insurance

Finding better rates on Kia Rio insurance requires not taking risks behind the wheel, having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Make time to compare rates every couple of years by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The following is a brief recap of the material that was touched on in this article.

• Drivers who want higher liability limits will pay an extra $520 per year to increase from 30/60 bodily injury limits to a 250/500 level
• Teens are the costliest to insure, with the cost nearing $446 per month if comprehensive and collision insurance is included
• High-risk drivers who tend to receive serious violations may have to pay on average $1,630 more annually for Rio insurance
• Increasing policy deductibles could save as much as $500 each year

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