Kia Rio insurance group and costs

The Kia Rio is a sedan and hatchback that has been produced by the South Korean that has been produced since 1999. In this guide, you’ll discover the key facts about insuring a Kia Rio.

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

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: March 2021 (source: Quotezone).

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

• How we got this rate

  To generate these figures we used the following information:

  • The vehicle is a 2018 model
  • Manual transmission
  • Petrol
  • 1.2l engine
  • Factory fitted alarm system
  • Not modified
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • The car is parked in a work car park during the day
  • The car is parked on a driveway at night
  • Driver is a 30-year-old teacher from London
  • Driver is a homeowner
  • £250 voluntary excess
  • Driving licence held for 10 years
  • Five years no claims discount
  • Driver has not had any driving or other convictions in the last 5 years

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)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: March 2021 (source: Quotezone).

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.

Kia Rio facts and trivia

• The Kia Rio was first produced in 1999 and is still being manufactured today.
• The vehicle was awarded the 2017 Red Dot Award for Passenger Car Design.
• To market the international release of this car, Kia produced two music videos featuring American musician Lee Radde and Korean-American singer Kate Kimand.

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

• How much does a Kia Rio cost?

  In the United Kingdom, the price of a new Kia Rio starts from £12,135.

• What is the top speed of a Kia Rio?

  Depending on the model version, Kia Rios can reach top speeds between 102mph and 118mph.

• Is the Kia Rio safe?

  The Kia Rio was awarded three stars out of five under the Euro NCAP safety analysis. Although the Kia Rio scored well for adult occupant safety (85%) and child occupant safety (84%), it did score low for safety assistance measures (25%).

• How much car tax do I have to pay for the Kia Rio?

  The UK standard car tax rate sites at £145 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Kia Rio?

  You can buy a Kia Rio online or by visiting your local Kia retailer. There is also a range of used Kia Rios available to buy through various motor resellers and websites such as AutoTrader or Motors.