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 for full coverage. Comprehensive costs around $228, collision costs $474, and liability costs around $486. A policy with just liability insurance costs as low as $548 a year, with coverage for high-risk drivers costing around $2,978. Teen drivers pay the highest rates at $5,336 a year or more.

Average premium for full coverage: $1,368

Price estimates for individual coverage:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different Rio trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population have lower incidents of accident claims than larger metro areas.

The price range example below illustrates how your location can change auto insurance rates.

The ranges above show why anyone shopping for car insurance should compare prices for a specific zip code, instead of using price averages.

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

Rates by State, City, and Model

The chart below shows estimated Kia Rio insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $794
• Using higher $1,000 deductibles will save about $160 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,368
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,680
• Drivers with multiple violations and an at-fault accident could pay at least $2,978 or more
• The price that insures a teen driver with full coverage can be $5,336 or more

View Chart as Image

Insurance prices for a Kia Rio are also quite variable based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,600 to $2,300 extra each year, depending on your age. High-risk driver insurance can be as much as 43% to 130% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect 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 prices. A driver around age 40 might see prices as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $480 every year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $438 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so the prices may be quite 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 Find the Right Kia Rio Insurance

Getting lower rates on car insurance requires being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Shop around every time your policy renews by requesting rates from direct carriers, and also from several local insurance agents.

Below you'll find a quick rundown of the information illustrated above.

• Drivers can save up to $160 per year simply by shopping early and online
• Youthful drivers pay higher prices, with premiums as much as $445 a month if full coverage is included
• Increasing physical damage deductibles can save approximately $475 each year
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,610 more every year than a low-risk driver
• Policyholders who may need more liability protection will pay about $540 each year to increase from a low limit to the 250/500 level

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