Kia Rio Insurance Rates
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Is Kia expensive to insure?
Kia costs on the higher end, as an average. But they also last a long time and provide safe driving conditions, which lowers your ''risk'' insurance rating. To have a vehicle registered in another state will cost you more, too - it's not just the price of the car.
What are the 3 types of car insurance?
Most insurance packages fall into one of three categories: Liability, comprehensive, and collision. The liability covers the costs of potential injuries an at-fault driver causes to others (and their property), while comprehensive and collision cover damages done by outside elements (i.e., rocks flying off a truck hitting your car). Some places include this coverage as part of their standard liability package; others may offer all three separately for better-looking rates online. Ultimately, it's up to you which is best for your individual needs--talk to rental companies or local agents about what suits you best!
Kia Rio Trims Available
| Kia Rio Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| LX Sedan | $1421 | $702 | $117 |
| S Hatchback | $1458 | $725 | $121 |
| S Sedan | $1456 | $724 | $121 |
Model by Year
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Rio | $257 | $517 | $443 | $1402 |
| 2019 Kia Rio | $244 | $508 | $452 | $1390 |
| 2018 Kia Rio | $237 | $493 | $469 | $1396 |
| 2017 Kia Rio | $230 | $477 | $484 | $1377 |
| 2016 Kia Rio | $219 | $460 | $504 | $1373 |
| 2015 Kia Rio | $209 | $424 | $516 | $1323 |
| 2014 Kia Rio | $197 | $401 | $518 | $1306 |
| 2013 Kia Rio | $191 | $360 | $525 | $1259 |
| 2012 Kia Rio | $179 | $330 | $522 | $1205 |
| 2011 Kia Rio | $171 | $310 | $527 | $1184 |
| 2010 Kia Rio | $169 | $287 | $532 | $1183 |
| 2009 Kia Rio | $156 | $271 | $540 | $1137 |
| 2008 Kia Rio | $151 | $247 | $546 | $1122 |
| 2007 Kia Rio | $139 | $224 | $535 | $1088 |
| 2006 Kia Rio | $132 | $201 | $537 | $1058 |
| 2005 Kia Rio | $129 | $183 | $533 | $1018 |
| 2004 Kia Rio | $126 | $178 | $520 | $1014 |
| 2003 Kia Rio | $125 | $168 | $515 | $988 |
| 2002 Kia Rio | $115 | $161 | $504 | $960 |
| 2001 Kia Rio | $110 | $154 | $498 | $955 |
Crash Tests Ratings
| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2021 Kia Rio 5 4 DR FWD | N/R | N/R | N/R | N/R |
| 2021 Kia Rio 4 DR FWD | N/R | N/R | N/R | N/R |
| 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 |
| 2015 Kia Rio 5 HB FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2015 Kia Rio 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2014 Kia Rio 5 HB FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2014 Kia Rio 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Kia Rio 5 HB FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Kia Rio 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Kia Rio 5 HB FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Kia Rio 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Kia Rio SW FWD | N/R | N/R | N/R | 4 stars |
| 2011 Kia Rio 4 DR FWD | N/R | N/R | N/R | 4 stars |
Cost by Driver Age and Deductibles
| Driver Age | Deductible | Annual Cost | Monthly Cost |
|---|---|---|---|
| 20 | $1011 | $2517 | $211 |
| $499 | $2868 | $239 | |
| $249 | $3228 | $271 | |
| 30 | $1007 | $1313 | $108 |
| $502 | $1494 | $126 | |
| $252 | $1701 | $143 | |
| 40 | $995 | $1273 | $105 |
| $499 | $1441 | $121 | |
| $250 | $1629 | $138 | |
| 50 | $1007 | $1168 | $97 |
| $505 | $1319 | $110 | |
| $249 | $1484 | $123 | |
| 60 | $1011 | $1145 | $95 |
| $505 | $1310 | $108 | |
| $249 | $1459 | $121 |
Cost by State
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1261 | $135 | -9.8% |
| Alaska | $1072 | $324 | -23.4% |
| Arizona | $1160 | $236 | -17.0% |
| Arkansas | $1396 | -$0 | 0.0% |
| California | $1589 | $193 | 14.0% |
| Colorado | $1330 | $66 | -4.8% |
| Connecticut | $1434 | $38 | 2.7% |
| Delaware | $1579 | $183 | 13.2% |
| Florida | $1745 | $349 | 25.2% |
| Georgia | $1287 | $109 | -7.9% |
| Hawaii | $999 | $397 | -28.6% |
| Idaho | $945 | $451 | -32.5% |
| Illinois | $1037 | $359 | -25.9% |
| Indiana | $1054 | $342 | -24.7% |
| Iowa | $943 | $453 | -32.7% |
| Kansas | $1326 | $71 | -5.1% |
| Kentucky | $1904 | $508 | 36.7% |
| Louisiana | $2065 | $669 | 48.2% |
| Maine | $862 | $534 | -38.5% |
| Maryland | $1152 | $244 | -17.6% |
| Massachusetts | $1114 | $282 | -20.3% |
| Michigan | $2423 | $1027 | 74.1% |
| Minnesota | $1166 | $230 | -16.6% |
| Mississippi | $1672 | $276 | 19.9% |
| Missouri | $1239 | $157 | -11.4% |
| Montana | $1501 | $105 | 7.6% |
| Nebraska | $1100 | $296 | -21.4% |
| Nevada | $1674 | $278 | 20.0% |
| New Hampshire | $1007 | $389 | -28.0% |
| New Jersey | $1561 | $165 | 11.9% |
| New Mexico | $1235 | $161 | -11.6% |
| New York | $1471 | $75 | 5.3% |
| North Carolina | $804 | $592 | -42.7% |
| North Dakota | $1142 | $254 | -18.3% |
| Ohio | $963 | $433 | -31.2% |
| Oklahoma | $1432 | $36 | 2.6% |
| Oregon | $1279 | $117 | -8.5% |
| Pennsylvania | $1330 | $66 | -4.8% |
| Rhode Island | $1863 | $467 | 33.7% |
| South Carolina | $1263 | $133 | -9.6% |
| South Dakota | $1178 | $218 | -15.7% |
| Tennessee | $1221 | $175 | -12.7% |
| Texas | $1680 | $284 | 20.4% |
| Utah | $1031 | $365 | -26.3% |
| Vermont | $957 | $439 | -31.7% |
| Virginia | $834 | $562 | -40.6% |
| Washington | $1076 | $320 | -23.1% |
| West Virginia | $1279 | $117 | -8.5% |
| Wisconsin | $965 | $431 | -31.1% |
| Wyoming | $1243 | $153 | -11.1% |
Diversity
| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | 27.0% |
| Property Damage | 46.1% |
| Comprehensive | -18.9% |
| Personal Injury | No data |
| Medical Payment | No data |
| Bodily Injury | No data |
Other Kia models
Other styles
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $47 |
| Advance Quote | $66 |
| Online Quote | $94 |
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Discounts are estimated and may not be available from every company or in every state.
