Kia Rio Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 20, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 $1,380 a year for full coverage. Comprehensive costs approximately $236 each year, collision costs $494, and liability insurance is $470. A policy with just liability insurance costs around $536 a year, with coverage for high-risk drivers costing around $3,008. Teens pay the highest rates at $5,356 a year or more.
Average premium for full coverage: $1,380
Price estimates by individual coverage:
Prices are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Rio models.
Price Range from Low to High
Using a 40-year-old driver as an example, Kia Rio insurance prices go from as low as $536 for basic liability insurance to a high rate of $3,008 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects auto insurance prices.
The ranges above show why all drivers should compare rates quotes using their specific location and risk profile, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
The chart below shows estimated Kia Rio insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $798
- Raising to $1,000 deductibles will save $164 a year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,380
- Selecting low deductibles will increase the cost to $1,706
- Higher-risk drivers with serious driving violations could pay around $3,008 or more
- The price for full coverage for a teen driver can cost $5,356
Insurance prices for a Kia Rio are also quite variable based on your driving record, the trim level of your Rio, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age
The state you live in also has a big influence on Kia Rio insurance rates. A middle-age driver might find prices as low as $910 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,970 on average in New York, Louisiana, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $490 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $423 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 137% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Every auto insurance company calculates prices differently, so the prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Kia Rio LX||$1,380||$115|
|Kia Rio SX||$1,450||$121|
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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2020 Kia Rio||$236||$494||$470||$1,380|
|2019 Kia Rio||$228||$474||$486||$1,368|
|2018 Kia Rio||$216||$458||$500||$1,354|
|2016 Kia Rio||$198||$400||$514||$1,292|
|2014 Kia Rio||$178||$330||$520||$1,208|
|2013 Kia Rio||$172||$310||$524||$1,186|
|2012 Kia Rio||$168||$288||$534||$1,170|
|2011 Kia Rio||$156||$268||$534||$1,138|
|2009 Kia Rio||$140||$222||$534||$1,076|
|2008 Kia Rio||$132||$202||$534||$1,048|
|2007 Kia Rio||$128||$182||$530||$1,020|
|2006 Kia Rio||$126||$178||$520||$1,004|
Rates are averaged for all Kia Rio models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Kia Rio Insurance
Getting lower rates on Kia Rio insurance consists of not taking risks behind the wheel, maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every time your policy renews by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The following is a brief review of the information raised in the charts and tables above.
- Drivers can save around $160 per year simply by quoting online in advance
- Teens are expensive to insure, with premiums as much as $446 a month for full coverage
- Increasing physical damage deductibles can save around $500 each year
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,630 more per year for Rio insurance
- Drivers who purchase higher liability limits will pay approximately $520 each year to raise from a low 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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.
|2021 Kia Rio 5 4 DR FWD||N/R||N/R||N/R||N/R|
|2021 Kia Rio 4 DR FWD||N/R||N/R||N/R||N/R|
|2020 Kia Rio 5 HB FWD||N/R||N/R||N/R||N/R|
|2020 Kia Rio 4 DR FWD||N/R||N/R||N/R||N/R|
|2019 Kia Rio 5 HB FWD||N/R||N/R||N/R||N/R|
|2019 Kia Rio 4 DR FWD||N/R||N/R||N/R||N/R|
|2018 Kia Rio 5 HB FWD||N/R||N/R||N/R||N/R|
|2018 Kia Rio 4 DR FWD||N/R||N/R||N/R||N/R|
|2017 Kia Rio 5 HB FWD||4 stars||4 stars||5 stars||4 stars|
|2017 Kia Rio 4 DR FWD||4 stars||4 stars||5 stars||4 stars|
|2016 Kia Rio 5 HB FWD||4 stars||4 stars||5 stars||4 stars|
|2016 Kia Rio 4 DR FWD||4 stars||4 stars||5 stars||4 stars|
|2015 Kia Rio 5 HB FWD||4 stars||4 stars||5 stars||4 stars|
|2015 Kia Rio 4 DR FWD||4 stars||4 stars||5 stars||4 stars|
|2014 Kia Rio 5 HB FWD||4 stars||4 stars||5 stars||4 stars|
|2014 Kia Rio 4 DR FWD||4 stars||4 stars||5 stars||4 stars|
|2013 Kia Rio 5 HB FWD||4 stars||4 stars||5 stars||4 stars|
|2013 Kia Rio 4 DR FWD||4 stars||4 stars||5 stars||4 stars|
|2012 Kia Rio 5 HB FWD||4 stars||4 stars||5 stars||4 stars|
|2012 Kia Rio 4 DR FWD||4 stars||4 stars||5 stars||4 stars|
|2011 Kia Rio SW FWD||N/R||N/R||N/R||4 stars|
|2011 Kia Rio 4 DR FWD||N/R||N/R||N/R||4 stars|
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.
|Insurance Coverage Category||Loss Rate|
|Personal Injury||No data|
|Medical Payment||No data|
|Bodily Injury||No data|
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.
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$100|
|5-yr Claim Free||$89|
|Paid in Full/EFT||$61|
Discounts are estimated and may not be available from every company or in every state.