How Much is Insurance for a Kia Rio? [Comprehensive Guide]

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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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 28, 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

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
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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 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
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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
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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
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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
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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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Compare Free Kia Rio Insurance Quotes Online

To start comparing Kia Rio car insurance quotes for free, use our online car insurance comparison tool.

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