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Kia Rio Insurance Rates [List of Money Saving Tips]

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 $115 per month for full coverage and $46 per month for liability-only coverage. You can save up to $569 on Kia Rio insurance rates through policy discounts. Read more to learn how you can save money on Kia Rio insurance rates.

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

Table of Contents

Kia Rio Insurance Cost

The average auto insurance rates for a Kia Rio cost $1,380 a year or $115 a month.

Are Kia Rios Expensive to Insure?

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

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
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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?

You might have noticed that there is a multitude of factors that impact Kia Rio auto insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Kia Rio.

Age of the Vehicle

Older Kia Rio models generally cost less to insure. 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
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Driver Age

Driver age can have a significant effect on the cost of Kia Rio auto insurance. For example, a 20-year-old driver could pay around $141 more each month for their Kia Rio auto insurance than a 30-year-old driver.

Driver Location

Where you live can have a large impact on Kia Rio insurance rates. For example, drivers in New York may pay $841 a year more than drivers in Seattle.

Your Driving Record

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

Kia Rio Safety Ratings

Your Kia Rio auto insurance rates are tied to the Kia Rio’s safety ratings. 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
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Kia Rio Crash Test Ratings

If the Kia Rio crash test ratings are good, you could have lower Kia Rio auto insurance rates. See Kia Rio crash test results below:

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
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Kia Rio Safety Features

Having a variety of safety features on your Kia Rio can help lower your insurance costs. According to AutoBlog, the 2020 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

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

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
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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 quotes from the best auto insurance companies using our FREE tool below.

Ways to Save on Kia Rio Insurance

Drivers can end up saving more money on their Kia Rio auto insurance rates by employing any one of the following strategies.

  • Start Searching for New Kia Rio Insurance Rates a Month Before Your Renewal
  • Get Cheaper Kia Rio Insurance Rates as a Full-Time Parent
  • Check Your Kia Rio Policy Carefully to Ensure All Information is Correct
  • Bundle Your Kia Rio Auto Insurance with Home Insurance
  • Use a Service Like Turo to Rent Out Your Kia Rio

Top Kia Rio Insurance Companies

Several insurance companies offer competitive rates for the Kia Rio based on factors like discounts for safety features. Take a look at these top auto insurance companies that are popular with Kia Rio drivers organized by market share.

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
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Compare Free Kia Rio Insurance Quotes Online

Save on your Kia Rio auto insurance rates by taking advantage of our FREE comparison tool.

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