Kia Rio insurance rates

The average insurance costs for a Kia Rio is $187 a month — or $2,244 a year. Your actual cost could be more or less depending on your driving record, the number of miles you drive in a year and other factors. Filter car insurance companies by your state to get a quote.

A 2017 Kia Rio starts at a base price of $14,165. With the average insurance rate at $2,244 per year, the annual insurance cost–to–base car price ratio is 15.8%.

• How we got this rate

  To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

  • 2017 Kia Rio
  • 10,001–15,000 miles driven yearly
  • No accidents in the past five years
  • Anti-theft device on vehicle
  • Driver located in New York
  • Good credit

  Our estimated price is for the state required minimum coverage which includes bodily injury, property damage, uninsured motorist bodily injury and personal injury protection.

  Other factors that can affect your auto insurance rate

  • The Kia Rio’s model year
  • The vehicle’s trim
  • The amount of coverage you need
  • The estimated miles your drive in a year
  • The vehicle’s safety and anti-theft features
  • The driver’s credit score
  • The driver’s location
  • The driver’s age
  • The driver’s driving history in the past five years
  • The driver’s marital status
  • Your (or the driver’s) gender
  • Whether the driver rents, leases or owns the vehicle

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Name	Product	Gap insurance	Homeowner discount	Telematics	Has an app?	Available states
USAA		No	Yes	SafePilot	Yes	All 50 states & DC	Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.	Get quotes More Info	Compare	loading Fetching your data...
Progressive		loan/lease coverage	Yes	Snapshot	Yes	All 50 states & DC	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
The Zebra		Yes	Yes	Yes	Yes	All 50 states	Get quotes More Info	Compare	loading Fetching your data...
Smartfinancial			Yes	Yes	No	All 50 states and DC	Get quotes	Compare	loading Fetching your data...
Pretected		Yes	Depends on provider	No	No	All 50 states	Get your most compatible insurance options via a "smart matching" method aimed at finding you value.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Yes	Yes	RightTrack	Yes	All 50 states & DC	Earn free accident forgiveness after five years claims-free and customize your policy anytime.	Get quotes More Info	Compare	loading Fetching your data...
Bankrate		Yes	Yes	Yes	Yes	All 50 states	Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.	Get quotes	Compare	loading Fetching your data...
Quinstreet - Insure.com		Yes	Depends on provider	Depends on provider	Depends on provider	All 50 states	Get quotes	Compare	loading Fetching your data...

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About the Kia Rio

The Kia Rio has been around since 2000 and is currently in its fourth generation. The subcompact car is known for its powerful engine, luxurious interior and agile handling. In the United States market, there is a hatchback and sedan form available for the Kia Rio.

Insurance companies determine the insurance cost for a Kia Rio based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. Kia shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. Kia Rio shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.

Kia Rio money-saving safety features

You could save money on car insurance for your Kia Rio if it comes equipped with these safety features.

• Anti-lock brakes
• Stability control
• Airbags
• Seatbelt pretensioners
• Anti theft system

How safe is the Kia Rio?

The Insurance Institute for Highway Safety (IIHS) awarded the Kia Rio with high scores for the moderate overlap front test, rear crash protection test and roof strength crash test. The Kia Rio was so awarded a marginal score for the small overlap test and an acceptable score for the side impact crash test, by the IIHS. The National Highway Traffic Safety Administration (NHTSA) gave the Kia Rio a 4-Star Overall Safety Rating. The 2017 Kia Rio was awarded four stars, out of five, for the frontal and rollover crash tests, by the NHTSA. The organization also awarded the Kia Rio with five stars for the side crash test.

In 2012, the Kia Rio was ranked number 8 in the top 10 stolen cars in the United States, according to the NHTSA. There are approximately 2.7 thefts per 1,000 Kia Rio models.

How does the Kia Rio compare to other car models?

From a price standpoint, the Kia Rio ranks right in the middle of our list of the 360 priciest car models to insure.