Compare Cheap Kia Rio Insurance Quotes [Guide + Free Quotes]

Find cheap Kia Rio insurance quotes right here in this free guide. We compare Kia Rio insurance rates across insurance companies and cities so you can find the best Kia Rio insurance coverage. The most popular companies are State Farm and GEICO, and the average cost of Kia Rio auto insurance is $115 per month.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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. The highest rates are for teens who will pay about $5,044 a year or $420 a month.

Good drivers save up to $569 a year in policy discounts by practicing safe driving habits. Let’s look at Kia Rio insurance rates, crash test 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 Focus ST and Ford Fiesta.

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

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
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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 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 rates 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

Good Kia Rio crash test ratings can lower your 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

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 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, most lenders will require your carry higher Kia Rio coverage options including comprehensive coverage, 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

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

  • Ask About Kia Rio Discounts If You Were Listed on Someone Else’s Policy
  • Ask for a Kia Rio Discount If You Have College Degree or Higher
  • Ask About Seasonal Insurance for Your Kia Rio
  • Don’t Skimp On Kia Rio Liability Coverage
  • Understand that Your Insurer Can Change Your Kia Rio Auto Insurance Rates Mid-Term for Other Reasons

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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Start comparing Kia Rio car insurance quotes for free by using our convenient online comparison tool.

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