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

Average auto insurance rates for a Kia Rio cost $1,380 a year, or around $115 a month. Comprehensive, collision, and liability insurance cost around $336, $491, and $389, respectively.

FREE Car Insurance Comparison

Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

Full Bio →

Written by

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...

Full Bio →

Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Jun 27, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.


Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

VehicleComprehensiveCollisionLiabilityTotal
Kia Rio$244$506$450$1,380
Ford Focus ST$282$536$398$1,374
Ford Fiesta$242$422$390$1,212

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 YearComprehensiveCollisionLiabilityTotal
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. 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 TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideAcceptable
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

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 TestedOverallFrontalSideRollover
2020 Kia Rio 5 HB FWDN/RN/RN/RN/R
2020 Kia Rio 4 DR FWDN/RN/RN/RN/R
2019 Kia Rio 5 HB FWDN/RN/RN/RN/R
2019 Kia Rio 4 DR FWDN/RN/RN/RN/R
2018 Kia Rio 5 HB FWDN/RN/RN/RN/R
2018 Kia Rio 4 DR FWDN/RN/RN/RN/R
2017 Kia Rio 5 HB FWD4 stars4 stars5 stars4 stars
2017 Kia Rio 4 DR FWD4 stars4 stars5 stars4 stars
2016 Kia Rio 5 HB FWD4 stars4 stars5 stars4 stars
2016 Kia Rio 4 DR FWD4 stars4 stars5 stars4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

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 CategoryLoss Rate
Collision-10%
Property Damage9%
Comprehensive-19%
Personal Injury41%
Medical Payment58%
Bodily Injury27%
Source: Insurance Institute for Highway Safety

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.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

Compare Free Kia Rio Insurance Quotes Online

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

Are you looking for free insurance quotes?

Your one-stop online Car Insurance guide. Get a Free Quote Now!

(855) 898-5028