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 auto insurance rates for a Kia Rio are $1,368 annually for full coverage. Comprehensive insurance costs around $228, collision insurance costs $474, and liability costs $486. A policy with only liability insurance costs as little as $548 a year, and a high-risk policy costs $2,978 or more. Teenage drivers pay the most at up to $5,336 a year.

Average premium for full coverage: $1,368

Premium estimates for type of coverage:

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all Rio models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences show why everyone should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $794
• Drivers who choose higher $1,000 deductibles will pay about $160 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,368
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $312 annually
• Drivers who are prone to accidents and violations could pay at least $2,978
• An auto insurance policy with full coverage for a 16-year-old driver for full coverage can be $5,336 a year

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Car insurance prices for a Kia Rio also have a wide range based on the model of your Rio, your driver profile, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,600 to $2,300 extra annually, depending on your age. Kia Rio insurance for high-risk drivers can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $480 annually, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $438 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Kia Rio insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and New York.

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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 Buy the Right Kia Rio Insurance

Finding better rates on insurance for a Kia Rio not only requires being safe and accident-free, but also having a good credit score, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates at every other renewal by getting rate quotes from direct carriers, and also from local independent and exclusive agents.

Below you'll find a quick rundown of the concepts that were covered above.

• Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,610 more every year than a low-risk driver
• Youthful drivers are the costliest to insure, as much as $445 per month if comprehensive and collision insurance is included
• Drivers can save up to $160 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $475 each year
• Drivers can save up to $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.

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