How to Find Cheap Kia Rio Insurance Quotes

Average Kia Rio insurance rates cost $115 per month ($1,380 per year). Finding Kia Rio teenager insurance rates can cost on average $5,044 a year, so shop around to find cheap coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 25, 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

The average Kia Rio insurance rates amount to $1,380 a year, or $115 every month for full coverage. Good drivers can save up to $569 a year in the form of policy discounts.

We have prepared this comprehensive guide to aid you in your search for affordable Kia Rio car insurance rates. In it, you will learn how things like crash test ratings, safety features, and driver age all play a part in determining Kia Rio rates.

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 car insurance rates 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
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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?

The Kia Rio trim and model you choose can impact the total price you will pay for Kia Rio insurance coverage.

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 car insurance. For example, a 20-year-old driver could pay around $141 more each month for their Kia Rio car 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 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 car 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 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

Kia Rio crash test ratings can impact the cost of your Kia Rio car insurance. 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

The more safety features you have on your Kia Rio, the more likely it is that you can earn a discount. 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 Kia Rio’s insurance loss probability varies for each form of coverage. The lower percentage means lower Kia Rio auto insurance rates; higher percentages mean higher Kia Rio car 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
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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 coverages including comprehensive coverage, so be sure to compare Kia Rio car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Kia Rio Insurance

Save more on your Kia Rio car insurance rates. Take a look at the following five strategies that will get you the best Kia Rio auto insurance rates possible.

  • Buy a Kia Rio with an Anti-Theft Device
  • Understand the Different Types of Auto Insurance for Your Kia Rio
  • Check the Odometer on Your Kia Rio
  • Start Searching for New Kia Rio Car Insurance a Month Before Your Renewal
  • Ask About Discounts for People with Disabilities

Top Kia Rio Insurance Companies

Who is the top car 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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Compare Free Kia Rio Insurance Quotes Online

Start comparing Kia Rio auto insurance quotes for free by using our FREE online comparison tool.

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Average Monthly Car Insurance Rates by State