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 rates for a Kia Rio are $1,380 a year for full coverage. Comprehensive costs an estimated $236, collision costs $494, and liability is $470. A liability-only policy costs around $536 a year, with high-risk insurance costing around $3,008. 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:

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for different Rio trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $798
• Raising to $1,000 deductibles will save approximately $164 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,380
• Using more expensive low deductibles bumps up the cost to $1,706
• Drivers who are prone to accidents and violations could pay up to $3,008 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage can cost as much as $5,356

View Chart as Image

Auto insurance prices for a Kia Rio also have a wide range based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,700 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 137% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $5,300 a year. View Rates by Age

Where you choose to live also has a big influence on Kia Rio insurance prices. A middle-age driver might find prices as low as $910 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,970 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $490 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $423 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices from multiple companies. Every auto 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 Find the Best Cheap Kia Rio Insurance

Finding better rates on insurance for a Kia Rio consists of avoiding accidents and claims, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices once a year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a quick review of the data that was covered above.

• Drivers can save approximately $160 per year simply by shopping early and online
• Insureds who want increased liability limits will pay an extra $520 each year to raise from 30/60 bodily injury limits to the 250/500 level
• Drivers under the age of 20 are the costliest to insure, as much as $446 per month if the policy includes full coverage
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,630 more annually to insure a Kia Rio

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