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.

The average auto insurance rates for a Kia Rio are $1,380 annually with full coverage. Comprehensive costs approximately $244, collision insurance costs $506, and liability is estimated at $450. Buying just liability costs approximately $518 a year, and insurance for high-risk drivers costs around $3,002. 16-year-old drivers cost the most to insure at up to $5,326 a year.

Average premium for full coverage: $1,380

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Rio trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities. The price range example below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

The chart below details average Kia Rio insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $799
• Choosing higher $1,000 deductibles can save $168 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,380
• Buying more expensive low deductibles for comp and collision coverage will cost $1,714
• Higher-risk drivers with multiple tickets or accidents could pay around $3,002
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost $5,326 each year

View Chart as Image

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

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance ranges from 43% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $510 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $405 more per year. View Rates by Deductible or Liability Limit

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 $990 a year in states like Utah, Ohio, and New Hampshire, or at least $1,860 on average in New York, Michigan, and Florida.

View Chart as Image

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 More Affordable Kia Rio Insurance

Finding cheaper rates on insurance for a Kia Rio takes being safe and accident-free, having a good credit history, not filing small claims, and possibly raising deductibles. Take the time to compare rates at every other renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a summary of the concepts that were covered in the above illustrations.

• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,620 more per year than a low-risk driver
• Youthful drivers are expensive to insure, as much as $444 each month including comprehensive and collision insurance
• You may be able to save around $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $500 each year
• You may be able to save around $160 per year just by shopping early and online

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