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Kia Rio insurance rates are $115 per month for full coverage and $46 per month for liability-only coverage. You can save up to $569 on Kia Rio insurance rates through policy discounts. Read more to learn how you can save money on Kia Rio insurance rates.
You can start comparing quotes for Kia Rio auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Table of Contents
The average auto insurance rates for a Kia Rio cost $1,380 a year or $115 a month.
The chart below details how Kia Rio insurance rates compare to other subcompact cars like the Ford Fiesta, Ford Focus ST, and .
| 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.
You might have noticed that there is a multitude of factors that impact Kia Rio auto insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Kia Rio.
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 |
Driver age can have a significant effect on the cost of Kia Rio auto insurance. For example, a 20-year-old driver could pay around $141 more each month for their Kia Rio auto insurance than a 30-year-old driver.
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 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 with violations on their driving record.
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 | |
If the Kia Rio crash test ratings are good, you could have lower 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 | ||||
|---|---|---|---|---|
Having a variety of safety features on your Kia Rio can help lower your insurance costs. According to AutoBlog, the 2020 Kia Rio’s safety features include:
The lower percentage means lower Kia Rio auto insurance rates; higher percentages mean higher Kia Rio auto insurance rates. Insurance loss probability on the Kia Rio fluctuates between each type 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 | |
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 auto insurance quotes from the best auto insurance companies using our FREE tool below.
Drivers can end up saving more money on their Kia Rio auto insurance rates by employing any one of the following strategies.
Several insurance companies offer competitive rates for the Kia Rio based on factors like discounts for safety features. Take a look at these top auto insurance companies that are popular with Kia Rio drivers organized by market share.
| 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 | |||
Save on your Kia Rio auto insurance rates by taking advantage of our FREE comparison tool.
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