KIA Rio Car Insurance Cost 2025
On average, car insurance for a KIA Rio costs $227 per year. However, the exact premium you pay can be influenced by factors like your age, driving history, the model year of your car, your location, and the type of coverage you choose. To get a more accurate estimate for your specific situation, it’s best to compare quotes from multiple providers using a tool like the one available on Insuranceopedia.
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If you’re contemplating purchasing a KIA Rio, one key factor to consider is the cost of insurance. On average, insurance for a KIA Rio costs $227 per year. Insurance is a crucial aspect of owning a car, and it’s vital to grasp its implications before making a decision.
Selecting the right insurance policy is essential to avoid unexpected and potentially high expenses down the line. Having sufficient coverage is crucial to prevent financial strain in the event of an accident. Additionally, being deemed at fault in an accident could lead to hikes in your premiums.
With over a decade of experience studying insurance rates, I’ve noticed significant variations in costs. Factors such as age, driving record, and location play significant roles in determining insurance premiums.
How Much Doe KIA Rio Car Insurance Cost?
Typically, KIA Rio drivers can expect to pay an average of $227 per year for car insurance. However, this can vary depending on individual factors like age, driving record, location, and the coverage options chosen. To get the most accurate rate, it’s always recommended to shop around and compare quotes from different insurers.
It’s important to note that car insurance costs can fluctuate based on various factors. These include where you live, your driving history, the year of your car, and the type of coverage you choose. Maintaining a clean driving record usually leads to lower premiums, while accidents or violations can increase costs.
In general, urban areas with higher traffic may have higher insurance rates compared to rural locations with less traffic. The type of coverage also impacts the premium, as comprehensive insurance—which covers both comprehensive and collision—is typically more expensive than basic liability coverage.
When comparing the cost of insurance for a KIA Rio, it tends to be higher than the average for other KIA models, but still may be lower than the overall average for all cars. Insuranceopedia helps you compare rates from different providers, ensuring that you find the best option for your needs.
| Vehicle | Average Monthly Premium |
| KIA Rio | $176 |
| All KIAs | $172 |
| All Cars | $175 |
Average Insurance Cost Of KIA Rio By Model Year
| Model Year | Average Premium |
| 2023 KIA Rio | $931 |
| 2022 KIA Rio | $1,038 |
| 2021 KIA Rio | $823 |
| 2020 KIA Rio | $889 |
| 2019 KIA Rio | $738 |
| 2018 KIA Rio | $760 |
| 2017 KIA Rio | $757 |
| 2016 KIA Rio | $757 |
| 2015 KIA Rio | $572 |
| 2014 KIA Rio | $613 |
| 2013 KIA Rio | $610 |
| 2012 KIA Rio | $485 |
| 2011 KIA Rio | $705 |
| 2010 KIA Rio | $528 |
2023 KIA Rio Insurance Rates
The average annual insurance cost for a 2023 KIA Rio is $931. However, Kemper Personal Insurance offers the cheapest rates, averaging $227 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $452 |
| Kemper Personal Insurance | $227 |
| American National P | $1,053 |
| National Farmers Union P | $1,429 |
| AssuranceAmerica Mobile Max | $508 |
| Central Mutual Insurance Co | $1,395 |
| SECURA Insurance | $1,432 |
| Safeco | $350 |
| Mercury Insurance Company | $1,484 |
| Texas Farm Bureau Group | $976 |
2022 KIA Rio Insurance Rates
The average annual insurance cost for a 2022 KIA Rio is $1,038. However, Safeco offers the cheapest rates, averaging $184 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $1,343 |
| American National P | $1,355 |
| Kemper Auto Premier | $659 |
| Farmers Mutual of Nebraska | $1,286 |
| Safeco | $184 |
| Capital Insurance Group | $1,309 |
| Indiana Farmers Mutual Ins | $774 |
| Mercury Insurance | $944 |
| Texas Farm Bureau Group | $1,194 |
| United Farm Bureau of IN Group | $1,336 |
2021 KIA Rio Insurance Rates
The average annual insurance cost for a 2021 KIA Rio is $823. However, Safeco offers the cheapest rates, averaging $255 per year.
| Insurance Provider | Average Annual Cost |
| National General Value | $771 |
| Plymouth Rock Assurance | $1,118 |
| SECURA Insurance | $1,129 |
| Safety Group | $1,146 |
| Safeco | $255 |
| Norfolk and Dedham Group | $1,213 |
| Mercury Insurance | $524 |
| Plymouth Rock | $667 |
| Kemper Premium | $978 |
| AssuranceAmerica Mobile Max | $430 |
2020 KIA Rio Insurance Rates
The average annual insurance cost for a 2020 KIA Rio is $889. However, Kemper Auto | Infinity offers the cheapest rates, averaging $62 per year.
| Insurance Provider | Average Annual Cost |
| National General Value | $1,230 |
| Mercury Insurance | $685 |
| Rockford Mutual Insurance | $1,021 |
| SECURA Insurance | $1,204 |
| New Jersey Manufacturers | $1,295 |
| Safeco | $259 |
| Colorado Farm Bureau Mutual | $1,016 |
| Capital Insurance Group | $1,152 |
| Kemper Auto | Infinity | $62 |
| American National P | $964 |
2019 KIA Rio Insurance Rates
The average annual insurance cost for a 2019 KIA Rio is $738. However, Safeco offers the cheapest rates, averaging $24 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica | $382 |
| American National P | $865 |
| Safeco | $24 |
| NatGen Value | $901 |
| NatGen PPA | $576 |
| Mercury Insurance | $739 |
| Dairyland FR Bond | $475 |
| SECURA Insurance | $1,314 |
| Nationwide ThreeSixZero | $1,020 |
| Texas Farm Bureau Group | $1,083 |
2018 KIA Rio Insurance Rates
The average annual insurance cost for a 2018 KIA Rio is $760. However, Safeco offers the cheapest rates, averaging $58 per year.
| Insurance Provider | Average Annual Cost |
| Countryway Insurance | $964 |
| Patriot Group | $986 |
| Infinity Special | $762 |
| Concord Group | $693 |
| MMG Insurance Company | $980 |
| AssuranceAmerica Economy | $659 |
| Safeco | $58 |
| Rockford Mutual Insurance | $983 |
| Dairyland Scored | $627 |
| SECURA Insurance | $888 |
2017 KIA Rio Insurance Rates
The average annual insurance cost for a 2017 KIA Rio is $757. However, Safeco offers the cheapest rates, averaging $12 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $344 |
| National General Value | $966 |
| Kemper Auto | Infinity | $1,045 |
| IMT Insurance Company | $1,089 |
| Mercury Insurance | $743 |
| NatGen Advantage | $795 |
| Atlantic States Insurance | $1,034 |
| Safeco | $12 |
| Southern Farm Bureau | $1,170 |
| Wolverine Mutual | $1,063 |
2016 KIA Rio Insurance Rates
The average annual insurance cost for a 2016 KIA Rio is $757. However, Safeco offers the cheapest rates, averaging $101 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $850 |
| West Bend Mutual | $1,028 |
| National General Value | $839 |
| Indiana Farmers Mutual Ins | $814 |
| Utica National Ins Group | $880 |
| Safeco | $101 |
| Infinity Special | $1,046 |
| Kemper Auto | $676 |
| NatGen PPA | $761 |
| Mercury Insurance | $574 |
Find Affordable KIA Rio Insurance Rates
2015 KIA Rio Insurance Rates
The average annual insurance cost for a 2015 KIA Rio is $572. However, Safeco offers the cheapest rates, averaging $138 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $251 |
| AssuranceAmerica Elite | $694 |
| AssuranceAmerica Economy | $316 |
| Mercury Insurance | $742 |
| Safeco | $138 |
| Kemper Personal Insurance | $759 |
| American National P | $819 |
| AssuranceAmerica | $539 |
| Indiana Farmers Mutual Ins | $851 |
| Buckeye Insurance Group | $609 |
2014 KIA Rio Insurance Rates
The average annual insurance cost for a 2014 KIA Rio is $572. However, Safeco offers the cheapest rates, averaging $77 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica | $640 |
| North Star | $931 |
| Mercury Insurance | $933 |
| Kemper Premium | $481 |
| Nodak Mutual | $766 |
| Buckeye Insurance Group | $728 |
| Kemper Auto | Infinity | $402 |
| Clearcover | $787 |
| Safeco | $77 |
| AssuranceAmerica Mobile Max | $383 |
2013 KIA Rio Insurance Rates
The average annual insurance cost for a 2013 KIA Rio is $610. However, Safeco offers the cheapest rates, averaging $55 per year.
| Insurance Provider | Average Annual Cost |
| Utica National Ins Group | $831 |
| Rural Mutual Insurance | $812 |
| MMG Insurance Company | $863 |
| AssuranceAmerica Mobile Max | $372 |
| Patriot Group | $907 |
| Mercury Insurance | $382 |
| Dairyland Broadform | $833 |
| Concord Group | $731 |
| NatGen Custom 360 | $318 |
| Safeco | $55 |
2012 KIA Rio Insurance Rates
The average annual insurance cost for a 2012 KIA Rio is $485. However, Safeco offers the cheapest rates, averaging $70 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $647 |
| Dairyland | $384 |
| NatGen Custom 360 | $724 |
| Jupiter Auto Insurance | $36 |
| MMG Insurance Company | $800 |
| Mercury Insurance | $138 |
| Clearcover | $780 |
| Safeco | $70 |
| National General Value | $861 |
| Dairyland Broadform | $412 |
2011 KIA Rio Insurance Rates
The average annual insurance cost for a 2011 KIA Rio is $705. However, Safeco offers the cheapest rates, averaging $109 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $789 |
| Kemper Personal Insurance | $830 |
| PEMCO | $692 |
| NatGen Value | $744 |
| American National P | $721 |
| Indiana Farmers Mutual Ins | $777 |
| Pekin Insurance | $918 |
| Preferred Mutual | $568 |
| Safeco | $109 |
| SECURA Insurance | $899 |
2010 KIA Rio Insurance Rates
The average annual insurance cost for a 2010 KIA Rio is $528. However, Safeco offers the cheapest rates, averaging $32 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $247 |
| PEMCO | $591 |
| Concord Group | $761 |
| Southern Farm Bureau | $721 |
| Texas Farm Bureau Group | $727 |
| Utica National Ins Group | $758 |
| Safeco | $32 |
| Dairyland Broadform | $301 |
| Dairyland FR Bond | $633 |
| American National P | $504 |
Find Affordable KIA Rio Insurance Rates
Is A KIA Rio Expensive To Insure?
The cost of insuring a KIA Rio tends to be higher than the average for all cars. However, the specific amount you’ll pay for insurance can vary based on several factors, such as your age, the age of your car, where you live, and your driving history. Insurance companies take these variables into account when calculating your premium. To get the most accurate estimate, it’s a good idea to shop around and compare quotes from different providers.
Cost of KIA Rio Car Insurance By Age
That’s right! Age is one of the key factors in determining car insurance rates. Teenagers, due to their lack of experience behind the wheel and higher likelihood of being involved in accidents, often face the highest premiums. As drivers age and gain more experience, they typically become less risky to insure, leading to lower rates. Rates generally continue to decrease as you enter your 20s and stabilize in your 30s and 40s. However, premiums may rise again as drivers reach their 50s and beyond, depending on other factors like health and driving record.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,599 | $11,257 | $13,113 |
| 18 | $7,100 | $10,420 | $12,202 |
| 19 | $6,269 | $9,252 | $10,794 |
| 20 | $5,490 | $8,030 | $9,386 |
| 21 | $4,618 | $6,745 | $7,899 |
| 22 | $4,472 | $6,601 | $7,693 |
| 23 | $3,944 | $5,756 | $6,748 |
| 24 | $3,721 | $5,471 | $6,408 |
| 25 | $3,233 | $4,713 | $5,501 |
| 30 | $2,512 | $3,655 | $4,267 |
| 35 | $2,330 | $3,446 | $4,071 |
| 40 | $2,209 | $3,316 | $3,893 |
| 45 | $2,165 | $3,267 | $3,742 |
| 55 | $2,052 | $2,998 | $3,487 |
| 65 | $2,114 | $3,096 | $3,590 |
| 75 | $2,003 | $2,950 | $3,477 |
KIA Rio Car Insurance Rates By State
Exactly! Your location significantly influences your car insurance rates. States have different regulations, and some require higher minimum coverage levels, which directly impact your premiums. For example, Michigan has no-fault insurance laws that typically lead to higher rates for residents.
Beyond the legal requirements, environmental factors such as extreme weather, flooding, or hurricanes can also increase the risk of damage, thus raising premiums. Areas with higher crime rates or frequent auto accidents also tend to see higher insurance costs since insurers view these places as riskier.
Essentially, the more risk there is in your area, whether from weather, accidents, or theft, the higher your insurance rate will likely be.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,399 | $3,465 | $4,368 |
| Alaska | $1,958 | $2,695 | $2,627 |
| Arizona | $2,258 | $3,226 | $4,711 |
| Arkansas | $2,436 | $3,811 | $4,264 |
| California | $2,736 | $4,841 | $2,725 |
| Colorado | $2,557 | $3,514 | $4,563 |
| Connecticut | $3,260 | $5,086 | $6,370 |
| Delaware | $2,645 | $3,608 | $4,615 |
| Florida | $3,216 | $4,429 | $5,767 |
| Georgia | $2,659 | $3,944 | $3,963 |
| Hawaii | $1,027 | $1,402 | $1,002 |
| Idaho | $1,827 | $2,366 | $2,945 |
| Illinois | $1,859 | $2,835 | $3,240 |
| Indiana | $1,941 | $3,002 | $3,367 |
| Iowa | $1,506 | $2,145 | $2,454 |
| Kansas | $2,097 | $3,009 | $3,467 |
| Kentucky | $2,988 | $4,324 | $5,126 |
| Louisiana | $3,852 | $5,737 | $6,202 |
| Maine | $1,485 | $2,017 | $2,929 |
| Maryland | $2,294 | $3,408 | $3,749 |
| Massachusetts | $1,855 | $3,263 | $1,877 |
| Michigan | $4,515 | $6,859 | $10,898 |
| Minnesota | $1,901 | $2,505 | $3,489 |
| Mississippi | $2,258 | $3,180 | $3,194 |
| Missouri | $2,133 | $3,013 | $3,920 |
| Montana | $2,150 | $3,027 | $3,532 |
| Nebraska | $1,863 | $2,670 | $2,879 |
| Nevada | $3,010 | $4,420 | $4,688 |
| New Hampshire | $2,124 | $3,344 | $4,123 |
| New Jersey | $2,308 | $3,620 | $4,674 |
| New Mexico | $2,347 | $3,504 | $3,602 |
| New York | $2,202 | $2,781 | $4,544 |
| North Carolina | $1,370 | $2,327 | $1,658 |
| North Dakota | $1,859 | $2,824 | $3,354 |
| Ohio | $1,687 | $2,583 | $2,570 |
| Oklahoma | $2,648 | $3,714 | $4,214 |
| Oregon | $2,436 | $3,252 | $3,875 |
| Pennsylvania | $1,998 | $2,951 | $3,415 |
| Rhode Island | $3,339 | $4,935 | $5,546 |
| South Carolina | $2,322 | $3,166 | $4,314 |
| South Dakota | $2,005 | $2,947 | $3,361 |
| Tennessee | $2,373 | $3,549 | $4,707 |
| Texas | $2,425 | $3,452 | $4,312 |
| Utah | $2,023 | $2,880 | $3,928 |
| Vermont | $1,571 | $2,411 | $2,536 |
| Virginia | $1,457 | $2,267 | $2,229 |
| Washington | $1,958 | $2,668 | $3,240 |
| West Virginia | $2,001 | $2,871 | $3,596 |
| Wisconsin | $2,012 | $3,101 | $3,514 |
| Wyoming | $1,833 | $2,620 | $2,798 |
Find Affordable KIA Rio Insurance Rates
Cheapest Car Insurance Companies For A KIA Rio
StateAuto offers a competitive premium of $26 per month for KIA Rio drivers, making them one of the most affordable options. However, remember that insurance rates can vary significantly depending on factors such as your driving history, location, and the model year of your car. To ensure you’re getting the best deal for your situation, it’s always a good idea to shop around and compare quotes from multiple providers. This way, you can find the most affordable rate tailored to your specific needs.
| Company | Average Monthly Rate |
| StateAuto | $26 |
| AmericanAlliance | $45 |
| Workmens | $47 |
| Commonwealth Casualty | $39 |
| Hugo | $37 |
Common KIA Rio Insurance Discounts
Discounts are an excellent way to lower your car insurance premiums. Here are some common ones to check for eligibility:
- Multi-policy discount: If you bundle your home and auto insurance with the same provider, you may qualify for a discount.
- Pay annually: Paying your premium in a lump sum instead of monthly can often lead to a lower rate.
- Defensive driving discount: Taking a certified defensive driving course can demonstrate your commitment to safety and qualify you for reduced rates.
In addition to these, there may be other discounts available, such as for safe driving or vehicle safety features. It’s a good idea to speak with your insurance agent to identify all possible discounts for your situation.
Ways To Save On KIA Rio Insurance Costs
Maintaining a clean driving record is crucial for keeping your KIA Rio insurance costs low. A speeding ticket or accident can lead to higher premiums. For example, KIA Rio drivers with a ticket on their record can expect to pay about $100 per month, while those with multiple accidents may pay an average of $156 per month.
Another factor that affects your premiums is annual mileage. Drivers who drive fewer miles annually are considered lower risk and may pay less for insurance. For example, KIA Rio drivers who drive between 7,501 and 10,000 miles per year typically pay around $88 per month. In contrast, drivers who exceed 10,000 miles annually may pay slightly lower premiums, averaging $85 per month.
By avoiding violations and reducing your mileage, you can keep your insurance premiums in check.
Compare KIA Rio To Other KIA Models
Looking for other Kia model insurance costs?
- KIA Cadenza Car Insurance
- KIA Forte Car Insurance
- KIA Niro Car Insurance
- KIA Optima Car Insurance
- KIA Sedona Car Insurance
- KIA Sorento Car Insurance
- KIA Soul Car Insurance
- KIA Sportage Car Insurance
- KIA Stinger Car Insurance
- KIA Telluride Car Insurance
- KIA K900 Car Insurance
- KIA Soul EV Car Insurance
Our Methodology
Insuranceopedia calculated the average car insurance costs by aggregating thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance, with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. It's important to note that these figures may differ from your own individual results, as your premium depends on factors such as your age, driving history, location, vehicle model, and coverage preferences.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A KIA Rio?
Yes, you will need to provide proof of insurance before driving your KIA Rio off the dealership lot. It’s a good idea to purchase your insurance policy beforehand and inform your insurance company about your upcoming vehicle purchase. This way, you can ensure you’re covered from the moment you drive your new car, and you won’t need to rely on the dealership for coverage.
How Can You Get The Cheapest Insurance For Your KIA Rio?
The best way to find affordable rates for your KIA Rio is by shopping around and comparing quotes from various auto insurance companies. Insuranceopedia makes it easy by allowing you to compare quotes from multiple providers on their website, so you can find the best deal tailored to your needs.
