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 $1,380 a year for full coverage. Comprehensive insurance costs around $244, collision costs $506, and liability insurance is $450. Liability-only insurance costs around $518 a year, with high-risk driver insurance costing $3,002 or more. Teen drivers pay the highest rates at $5,326 a year or more.

Average premium for full coverage: $1,380

Price estimates for individual coverage:

Includes $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all Rio models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population have lower incidents of accident claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above show why everyone should compare rates quotes for a specific zip code, rather than relying on 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 $799
• Raising to $1,000 deductibles will save about $168 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,380
• Choosing pricier low deductibles will cost an additional $334 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,002 or more
• The price that insures a teen driver for full coverage can be $5,326

View Chart as Image

Car insurance prices for a Kia Rio are also quite variable based on the model of your Rio, 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 $1,700 to $2,300 extra each year, depending on your age. Kia Rio insurance for high-risk drivers is expensive and can cost anywhere from 43% to 137% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $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 Idaho, Maine, and Iowa, or as much as $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $510 each year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $405 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes 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 Cheapest Kia Rio Insurance

Getting lower rates on Kia Rio insurance consists of not taking risks behind the wheel, having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Shop around at every policy renewal by getting rate quotes from direct carriers, and also from several local insurance agents.

The following is a recap of the data covered above.

• Drivers who may need higher liability limits will pay about $500 each year to raise from a low limit to the 250/500 level
• Drivers can save up to $160 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $500 each year
• Teens are the costliest to insure, with premiums as much as $444 a month if full coverage is purchased

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.

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.

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