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.

Average insurance rates for a Kia Rio are $1,368 a year including full coverage. Comprehensive costs on average $228 a year, collision insurance costs $474, and liability costs around $486. A liability-only policy costs as low as $548 a year, and high-risk insurance costs around $2,978. Teenage drivers receive the highest rates at up to $5,336 a year.

Average premium for full coverage: $1,368

Rate estimates by individual coverage type:

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Rio trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.

These examples highlight why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $794
• Using higher $1,000 deductibles will save around $1,208 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,368
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,680
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,978
• The cost for full coverage for a 16-year-old driver may cost $5,336 or more

View Chart as Image

Insurance rates for a Kia Rio can also vary considerably based on your driver profile, the model of your Rio, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $5,300 a year. View Rates by Age

Where you live has a huge impact on Kia Rio insurance prices. A driver around age 40 might see rates 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 rates by as much as $480 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $438 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

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 Cheap Kia Rio Insurance

Saving money on insurance for a Kia Rio requires being a low-risk driver, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Invest the time to compare rates every time your policy renews by getting price quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The items below are a brief summary of the information presented in the illustrations above.

• You may be able to save as much as $160 per year just by quoting early and online
• Teen drivers pay the highest rates, as much as $445 per month for full coverage
• Increasing deductibles can save around $475 each year
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,610 more each year to insure their Rio
• Insureds who require more liability coverage will pay an extra $540 per year to increase from a minimum 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.

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