Buy Cheap Kia Rio Auto Insurance in 2024
If you want to buy inexpensive Kia Rio insurance coverage then you should know that a policy will cost $115 per month ($1,380 per year) on average. Good drivers can save as much as $2,128 a year over higher risk drivers.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jul 15, 2021
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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
Finding cheap Kia Rio insurance rates may sound difficult, but it doesn’t have to be complicated. We are here to make things easy. A full-coverage policy for a Kia Rio costs around $1,380 a year or $115 each month. Learn what factors go into the Kia Rio insurance rates in our guide, from your driving record to the Kia Rio crash test ratings.
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?
The Kia Rio trim and model you choose will affect the total price you will pay for Kia Rio insurance coverage.
Age of the Vehicle
The average Kia Rio auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Kia Rio cost $1,380, while 2010 Kia Rio rates 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. As an example, a 40-year-old driver could pay $146 less each month for their Kia Rio auto insurance compared to a 20-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 car insurance. 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 influenced by 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
Most drivers don’t realize that not only do Kia Rio safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Kia Rio auto insurance rates. 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
The lower percentage means lower Kia Rio auto insurance rates; higher percentages mean higher Kia Rio car insurance rates. The Kia Rio’s insurance loss probability varies for each form 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 | |
Kia Rio Finance and Insurance Cost
If you are financing a Kia Rio, you will pay more if you purchase Kia Rio car insurance at the dealership, so be sure to shop around and compare Kia Rio car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Kia Rio Insurance
You can save more money on your Kia Rio auto insurance rates by employing any of the following five strategies.
- Watch Your Insurer Closely When Your Kia Rio Needs Repairs
- Check for Organization-Based Discounts, like Alumni or Employer Discounts
- Ask About Welcome Discounts
- Reduce Modifications on Your Kia Rio
- Ask About Seasonal Insurance for Your Kia Rio
Top Kia Rio Insurance Companies
Who is the top 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 | |||
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