Kia Rio insurance group and costs

Find out the insurance group for your Kia Rio, how much it should cost to insure and how to drive down your premiums.

Posted

Fact checked

Compare Kia Rio quotes

  • Save up to £285 on your car insurance*.
  • Compare over 100 car insurance providers.
  • Enjoy Confused.com rewards.
Start comparison
Powered by

Kia Rio car models fall within car insurance groups 2-10, which means the cost of your premiums can vary quite a bit. However, you might find the cost of your insurance to be much cheaper in comparison to other car makes and models which fit into a higher insurance group rating. For example, a 30-year-old driver in an average postcode could pay around £582 for cover on a Kia Rio 2 1.4 CRDi 76bhp ISG 5d, or around £721 for a Kia Rio GT-Line S 1.0 T-GDi 118bhp ISG 5d.

Looking at the table below, you can find out the insurance group of your Kia Rio model, and how much you’re likely to pay for your car insurance.

Kia Rio insurance groups and average cost by driver’s age

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
1 1.4 CRDi 76bhp ISG 5d 4 £1,088 £631 £553 £446 Get Quote
1 1.25 83bhp ISG 5d 6 £1,159 £672 £589 £475 Get Quote
Pulse 1.25 83bhp ISG 5d 7 £1,185 £688 £602 £486 Get Quote
2 1.4 CRDi 76bhp ISG 5d 2 £1,003 £582 £510 £411 Get Quote
2 1.25 83bhp ISG 5d 4 £1,088 £631 £553 £446 Get Quote
2 1.4 98bhp auto (07/18-) 5d 5 £1,126 £653 £573 £462 Get Quote
2 1.4 98bhp auto 5d 5 £1,126 £653 £573 £462 Get Quote
2 1.4 98bhp ISG 5d 5 £1,126 £653 £573 £462 Get Quote
2 1.0 T-GDi 99bhp ISG 5d 8 £1,207 £700 £613 £495 Get Quote
GT-Line 1.0 T-GDi 118bhp DCT auto ISG 5d 9 £1,225 £711 £623 £502 Get Quote
GT-Line 1.0 T-GDi 118bhp ISG 5d 9 £1,225 £711 £623 £502 Get Quote
First Edition 1.0 T-GDi 118bhp ISG 5d 9 £1,225 £711 £623 £502 Get Quote
3 1.4 98bhp auto (07/18-) 5d 5 £1,126 £653 £573 £462 Get Quote
3 1.4 98bhp auto 5d 5 £1,126 £653 £573 £462 Get Quote
3 1.4 CRDi 89bhp ISG 5d 7 £1,185 £688 £602 £486 Get Quote
3 1.0 T-GDi 99bhp ISG 5d 8 £1,207 £700 £613 £495 Get Quote
GT-Line S 1.0 T-GDi 118bhp ISG 5d 10 £1,242 £721 £631 £510 Get Quote

Average Kia Rio insurance cost in the UK

To give you a guideline on how much it would cost to insure your Kia Rio, we ran several quotes in order to find out an average figure. Our results estimated that you could, on average, insure your Kia Rio with comprehensive cover for monthly payments of £61.25 or an annual sum of £675.36

Kia Rio insurance cost by location

There’s a number of factors that affect the cost of your insurance premium, including your job and marital status. Where you live, how busy your location is and the likelihood of theft, also play a big factor in determining the cost of your insurance.

To show the impact of location in your insurance rates, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Kia Rio 2 1.0 T-GDi 99bhp ISG 5d.

  • Expensive: £836 (London SE1)
  • Average: £700 (Newcastle NE1)
  • Cheap: £505 (Galashiels TD1)

Which factors affect my Kia Rio insurance rate?

Along with your car’s insurance group, these three factors have the biggest impact on the cost of your insurance:

  • Engine type and capacity. The bigger your engine, the more you’re likely to pay for insurance. For example, an average 30-year-old may pay £631 for the 1.25-litre Kia Rio 2 1.25 83bhp ISG 5d, but could pay around £653 for the 1.4-litre Kia Rio 2 1.4 98bhp ISG 5d.
  • Driver location. Insurers factor in the likelihood that your car will be stolen or involved in an accident when calculating your insurance, and your location has a big impact on this. As an example, a 30-year-old in central London will pay £846 for insurance for a Kia Rio GT-Line 1.0 T-GDi 118bhp DCT auto ISG 5d, while the same 30-year-old in Newcastle may only pay £711.
  • Driver age. Like location, the age of the driver plays a huge role in determining the cost of your insurance premium. The average 20-year-old driver in London could pay £1,400 for the Kia Rio 1 1.25 83bhp ISG 5d, while the average 40-year-old Londoner will only pay £733.

However, there are many other factors that can also impact the price of your premiums. These include:

  • Your marital status
  • Your credit history and job
  • Your car’s safety rating, security and anti-theft precautions
  • Likelihood of theft
  • The model and age of your car
  • Your driving activity
  • Your driving history
  • No claims discount

How can I save on my car insurance premiums?

Depending on your individual circumstances, car insurance can be an expensive requirement. If you add this to additional costs such as car tax, petrol, MOTs, servicing and maintenance, it can cost a lot to be on the road.

Thankfully, there are a few things you can do to reduce your car insurance premium for your Kia Rio, and we’ve listed them below:

  • Avoid any driving convictions. It may sound obvious, but having convictions on your record will make your premium more expensive.
  • Limit your car usage where possible. You could save money on your insurance by being more sparing with your car usage. Opting for public transport or walking when you can will help keep your mileage, and premiums, lower.
  • Pay annually rather than monthly. By paying annually, you could save £59.64 on average a year!
  • Install extra safety precautions. The safer you make your car, the better your premium will be. By investing in extra safety features, your vehicle will be more secure and less of a risk to insure.
  • Don’t just accept your renewal quote. When it’s time for renewal, make sure you shop around – you’ll be surprised at how much you could save by assessing your options.

Bottom line

Kia Rios are a popular vehicle and with most falling into an insurance group from 4 – 10, you should be able to find a good level of comprehensive cover without breaking the bank.

However, don’t forget that there are other factors that can affect your insurance premiums such as your age, your location, your driving history and the insurer you select.

If you’re wondering which insurers to select, check out our rundown of the 10 best car insurance companies.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*Based on independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site