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Kia Rio Insurance [Everything You Need to Know]

Kia Rio insurance costs on average $115 per month ($1,380 per year). This is around $139 less per year than the average vehicle. Good drivers can save up to $569 a year by earning discounts on their policy.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 23, 2020

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Key takeaways:

  • Full coverage costs around $1,380 a year or $115 each month
  • A liability-only policy costs around $553 a year or $46 each month
  • Highest rates are for teenage drivers at around $5,044 a year or $420 each month
  • Good drivers can save as much as $569 a year by earning policy discounts
  • Kia Rio insurance costs around $139 less per year than the average vehicle

Kia Rio insurance rates are about $139 less per year than the average vehicle with full coverage costing around $1,380 a year or $115 a month. Good drivers can save up to $569 a year in policy discounts by being safe and courteous drivers. We’re going to take a closer look at Kia Rio insurance rates, safety ratings, and more.

You can start comparing quotes for Kia Rio car insurance rates from some of the best car insurance companies by using our free online tool now.

Kia Rio Insurance Cost

The average Kia Rio auto insurance costs are $1,380 a year or $115 a month.

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Are Kia Rios Expensive to Insure?

The chart below details how Kia Rio insurance rates compare to other subcompact cars like the Ford Fiesta and Ford Focus ST.

Vehicle Comprehensive Collision Liability Total
Kia Rio $244 $506 $450 $1,380
Ford Fiesta $242 $422 $390 $1,212
Ford Focus ST $282 $536 $398 $1,374

However, there are a few things you can do to find the cheapest Kia insurance rates online.

What Impacts the Cost of Kia Rio Insurance?

Even though the average annual rate for the Kia Rio is $1,380, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Kia Rio.

Age of the Vehicle

The average Kia Rio auto insurance rates are higher for newer models. For example, auto insurance for a 2018 Kia Rio costs $1,380, while 2010 Kia Rio insurance costs are $1,186, a difference of $194.

Model Year Comprehensive Collision Liability Total
2018 Kia Rio $244 $506 $450 $1,380
2017 Kia Rio $236 $494 $470 $1,380
2016 Kia Rio $228 $474 $486 $1,368
2015 Kia Rio $216 $458 $500 $1,354
2014 Kia Rio $206 $424 $510 $1,320
2013 Kia Rio $198 $400 $514 $1,292
2012 Kia Rio $190 $358 $520 $1,248
2011 Kia Rio $178 $330 $520 $1,208
2010 Kia Rio $172 $310 $524 $1,186

Driver Age

Driver age can have a significant impact on Kia Rio auto insurance rates. For example, 20-year-old drivers pay approximately $1,687 more each year for their Kia Rio auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Kia Rio insurance rates. For example, drivers in Houston may pay $1,017 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on your Kia Rio auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Kia Rio car insurance with violations on their driving record.

Kia Rio Safety Ratings

Your Kia Rio car insurance rates are tied to the safety ratings of the Kia Rio. See the breakdown below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety

Kia Rio Crash Test Ratings

Poor Kia Rio crash test ratings could mean higher Kia Rio car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Kia Rio 5 HB FWD N/R N/R N/R N/R
2020 Kia Rio 4 DR FWD N/R N/R N/R N/R
2019 Kia Rio 5 HB FWD N/R N/R N/R N/R
2019 Kia Rio 4 DR FWD N/R N/R N/R N/R
2018 Kia Rio 5 HB FWD N/R N/R N/R N/R
2018 Kia Rio 4 DR FWD N/R N/R N/R N/R
2017 Kia Rio 5 HB FWD 4 stars 4 stars 5 stars 4 stars
2017 Kia Rio 4 DR FWD 4 stars 4 stars 5 stars 4 stars
2016 Kia Rio 5 HB FWD 4 stars 4 stars 5 stars 4 stars
2016 Kia Rio 4 DR FWD 4 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Kia Rio Safety Features

Having a variety of safety features on your Kia Rio can help lower your Kia Rio insurance costs. The Kia Rio’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • Front Disc/Rear Drum Brakes
  • Brake Assist
  • Electronic Stability Control
  • Child Safety Locks
  • Traction Control

Kia Rio Insurance Loss Probability

Insurance loss probability on the Kia Rio fluctuates between each type of coverage. The lower percentage means lower Kia Rio car insurance rates; higher percentages mean higher Kia Rio auto insurance rates.

Insurance Coverage Category Loss Rate
Collision -10%
Property Damage 9%
Comprehensive -19%
Personal Injury 41%
Medical Payment 58%
Bodily Injury 27%
Source: Insurance Institute for Highway Safety

Kia Rio Finance and Insurance Cost

If you are financing a Kia Rio, most lenders will require your carry higher Kia Rio coverage options including comprehensive coverage, so be sure to shop around and compare Kia Rio auto insurance rates from the best companies using our FREE tool below.

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Ways to Save on Kia Rio Insurance

If you want to reduce the cost of your Kia Rio insurance rates, follow these tips below:

  • Pay Your Kia Rio Insurance Upfront
  • Save Money on Young Driver Kia Rio Insurance By Mentioning Grades or GPA
  • Make Sure You Use an Accredited Driver Safety Program
  • Don’t Skimp On Kia Rio Liability Coverage
  • Re-Check Kia Rio Quotes Every 6 Months

Top Kia Rio Insurance Companies

Who is the best auto insurance company for Kia Rio insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia Rio auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Kia Rio offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Kia Rio Insurance Quotes Online

You can start comparing quotes for Kia Rio car insurance rates from some of the best car insurance companies by using our free online tool now.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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