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.

Average auto insurance rates for a Kia Rio are $1,380 annually for full coverage insurance. Comprehensive costs approximately $236 a year, collision insurance costs $494, and liability coverage costs $470. Liability-only coverage costs as little as $536 a year, and high-risk coverage costs around $3,008. Teen drivers receive the highest rates at up to $5,356 a year.

Average premium for full coverage: $1,380

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Rio trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These examples illustrate why it is important to compare rates using their specific location and their own personal driving habits, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $798
• Drivers who choose higher $1,000 deductibles will pay $1,216 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,380
• Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,706
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,008
• The cost with full coverage for a teenage driver can cost $5,356 a year

View Chart as Image

Car insurance rates for a Kia Rio can also vary considerably based on the trim level of your Rio, your risk profile, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $490 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $423 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Kia Rio insurance rates. A 40-year-old driver could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,860 on average in Florida, New York, and Michigan.

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 the Right Kia Rio Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also having a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to compare rates at every policy renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below you'll find a quick rundown of the data covered above.

• Consumers who purchase more liability protection will pay about $520 annually to go from a minimum limit to higher 250/500 limits
• It is possible to save around $160 per year just by quoting early and online
• Increasing deductibles could save up to $500 each year
• Youthful drivers pay the highest auto insurance rates, costing up to $446 per month if comprehensive and collision insurance is included

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