Kia Rio Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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.

The average insurance prices for a Kia Rio are $1,368 every 12 months with full coverage. Comprehensive insurance costs an estimated $228, collision insurance costs $474, and liability is estimated at $486. A liability-only policy costs approximately $548 a year, and high-risk insurance costs $2,978 or more. Teens cost the most to insure at up to $5,336 a year.

Average premium for full coverage: $1,368

Policy rates broken down by type of insurance:

Comprehensive $228
Collision $474
Liability $486

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Rio models.

Price Range Variability

For the normal driver, Kia Rio insurance rates range from the cheapest price of $548 for just liability insurance to the much higher price of $2,978 for a driver who requires high-risk insurance.

Liability Only $548
Full Coverage $1,368
High Risk $2,978

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects insurance prices.

Rural Areas $1,026
Small Cities $1,436
Large Cities $1,847

The examples above demonstrate why everyone should get quotes for a targeted area and their own driving history, instead of using 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.

More Rate Details

The chart below details average Kia Rio insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $794
  • Choosing higher $1,000 deductibles can save approximately $160 annually
  • The average price for a good driver age 40 who has $500 deductibles is $1,368
  • Selecting pricier low deductibles for comp and collision coverage costs an extra $312 every year
  • Unlucky drivers with serious driving violations could pay up to $2,978
  • Policy cost to insure a teen driver for full coverage can cost as much as $5,336 each year

View Chart as Image

Kia Rio insurance cost comparison chart
Column chart showing Kia Rio insurance prices range from $794 to $5,336 for full coverage

Car insurance rates for a Kia Rio also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $438 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,600 to $2,300 extra every year, depending on your age. Kia Rio insurance for high-risk drivers ranges as much as 43% to 130% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Kia Rio insurance prices. A good driver about age 40 could pay as low as $980 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,840 on average in New York, Michigan, and Florida.

Kia Rio Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,234 -$134 -9.8%
Alaska $1,048 -$320 -23.4%
Arizona $1,134 -$234 -17.1%
Arkansas $1,368 -$0 0.0%
California $1,556 $188 13.7%
Colorado $1,304 -$64 -4.7%
Connecticut $1,402 $34 2.5%
Delaware $1,546 $178 13.0%
Florida $1,708 $340 24.9%
Georgia $1,262 -$106 -7.7%
Hawaii $980 -$388 -28.4%
Idaho $926 -$442 -32.3%
Illinois $1,018 -$350 -25.6%
Indiana $1,032 -$336 -24.6%
Iowa $922 -$446 -32.6%
Kansas $1,296 -$72 -5.3%
Kentucky $1,862 $494 36.1%
Louisiana $2,022 $654 47.8%
Maine $844 -$524 -38.3%
Maryland $1,128 -$240 -17.5%
Massachusetts $1,090 -$278 -20.3%
Michigan $2,372 $1,004 73.4%
Minnesota $1,142 -$226 -16.5%
Mississippi $1,638 $270 19.7%
Missouri $1,210 -$158 -11.5%
Montana $1,468 $100 7.3%
Nebraska $1,078 -$290 -21.2%
Nevada $1,638 $270 19.7%
New Hampshire $986 -$382 -27.9%
New Jersey $1,528 $160 11.7%
New Mexico $1,210 -$158 -11.5%
New York $1,438 $70 5.1%
North Carolina $786 -$582 -42.5%
North Dakota $1,120 -$248 -18.1%
Ohio $942 -$426 -31.1%
Oklahoma $1,402 $34 2.5%
Oregon $1,250 -$118 -8.6%
Pennsylvania $1,300 -$68 -5.0%
Rhode Island $1,822 $454 33.2%
South Carolina $1,240 -$128 -9.4%
South Dakota $1,154 -$214 -15.6%
Tennessee $1,194 -$174 -12.7%
Texas $1,644 $276 20.2%
Utah $1,008 -$360 -26.3%
Vermont $936 -$432 -31.6%
Virginia $816 -$552 -40.4%
Washington $1,054 -$314 -23.0%
West Virginia $1,250 -$118 -8.6%
Wisconsin $946 -$422 -30.8%
Wyoming $1,216 -$152 -11.1%

View Chart as Image

Kia Rio insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Kia Rio Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Rio $1,328 $111
Kia Rio LX $1,368 $114
Kia Rio SX $1,436 $120

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.

Kia Rio Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia Rio $228 $474 $486 $1,368
2019 Kia Rio $216 $458 $500 $1,354
2018 Kia Rio $206 $424 $510 $1,320
2016 Kia Rio $190 $358 $520 $1,248
2014 Kia Rio $172 $310 $524 $1,186
2013 Kia Rio $168 $288 $534 $1,170
2012 Kia Rio $156 $268 $534 $1,138
2011 Kia Rio $150 $244 $540 $1,114
2009 Kia Rio $132 $202 $534 $1,048
2008 Kia Rio $128 $182 $530 $1,020
2007 Kia Rio $126 $178 $520 $1,004
2006 Kia Rio $124 $168 $510 $982

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 Shop for Cheap Kia Rio Insurance

Finding cheaper rates on car insurance takes avoiding accidents and claims, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Invest the time to compare rates at every other renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The points below are a brief summary of the concepts that were presented in the illustrations above.

  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,610 more annually to insure a Kia Rio
  • Drivers under the age of 20 have the highest car insurance rates, as much as $445 each month if the policy includes full coverage
  • You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $475 each year
  • You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date

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.

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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
Vehicle TestedOverallFrontalSideRollover
2021 Kia Rio 5 4 DR FWDN/RN/RN/RN/R
2021 Kia Rio 4 DR FWDN/RN/RN/RN/R
2020 Kia Rio 5 HB FWDN/RN/RN/RN/R
2020 Kia Rio 4 DR FWDN/RN/RN/RN/R
2019 Kia Rio 5 HB FWDN/RN/RN/RN/R
2019 Kia Rio 4 DR FWDN/RN/RN/RN/R
2018 Kia Rio 5 HB FWDN/RN/RN/RN/R
2018 Kia Rio 4 DR FWDN/RN/RN/RN/R
2017 Kia Rio 5 HB FWD4 stars4 stars5 stars4 stars
2017 Kia Rio 4 DR FWD4 stars4 stars5 stars4 stars
2016 Kia Rio 5 HB FWD4 stars4 stars5 stars4 stars
2016 Kia Rio 4 DR FWD4 stars4 stars5 stars4 stars
2015 Kia Rio 5 HB FWD4 stars4 stars5 stars4 stars
2015 Kia Rio 4 DR FWD4 stars4 stars5 stars4 stars
2014 Kia Rio 5 HB FWD4 stars4 stars5 stars4 stars
2014 Kia Rio 4 DR FWD4 stars4 stars5 stars4 stars
2013 Kia Rio 5 HB FWD4 stars4 stars5 stars4 stars
2013 Kia Rio 4 DR FWD4 stars4 stars5 stars4 stars
2012 Kia Rio 5 HB FWD4 stars4 stars5 stars4 stars
2012 Kia Rio 4 DR FWD4 stars4 stars5 stars4 stars
2011 Kia Rio SW FWDN/RN/RN/R4 stars
2011 Kia Rio 4 DR FWDN/RN/RN/R4 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.

Kia Rio Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision32%
Property Damage48%
Comprehensive-21%
Personal InjuryNo data
Medical PaymentNo data
Bodily InjuryNo 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.

References

  1. https://www.iihs.org/ratings/vehicle/Kia/rio-4-door-hatchback/2020

Rates by Driver Age

Kia Rio Insurance Rates by Driver Age
Driver Age Premium
16 $5,336
20 $3,190
30 $1,410
40 $1,368
50 $1,254
60 $1,230

Full coverage, $500 deductibles

Rates by Deductible

Kia Rio Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,680
$250 $1,534
$500 $1,368
$1,000 $1,208

Full coverage, driver age 40

Rates by Liability Limit

Kia Rio Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,368
50/100 $1,533
100/300 $1,655
250/500 $1,971
100 CSL $1,582
300 CSL $1,849
500 CSL $2,044

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Rio Insurance Rates for High Risk Drivers
Age Premium
16 $7,582
20 $5,088
30 $3,026
40 $2,978
50 $2,846
60 $2,824

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.

SR-22 Surcharge $194

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $74
Homeowner $22
5-yr Accident Free $98
5-yr Claim Free $88
Paid in Full/EFT $59
Advance Quote $67
Online Quote $95
Total Discounts $574
Rate after discounts $794

Discounts are estimated and may not be available from every company or in every state.

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