Kia Rio Car Insurance: How Much Should You Expect to Pay?

Looking at average rates, Kia Rio drivers normally pay about $183 per month for auto insurance. Our complete guide will help you know how much insurance companies might charge you to insure your Kia Rio.

Quick Facts

  • Insuring a Kia Rio costs about the same as insuring the average car.

  • Full coverage for a Rio usually comes in at around $176 a month, while liability only car insurance rates tend to be about $84 monthly.

  • The cheapest insurance company for a Rio is Ohio Mutual.

Rio Overview

With base prices starting at just $16,050 for new 2021 models, the Kia Rio is a great budget-friendly option for any driver. With two different trim levels currently available, there's a style for every driver.

We crunched the numbers on thousands of car insurance quotes on Compare.com, and we've found that Kia Rio auto insurance prices run around $183 a month, on average. But how does that compare to other cars on the market?

Current Base Price$16,050
Body Style(s)Car
Trim LevelsLX/S, S
Average Insurance Premium$183/mo.
Cheapest Insurance CompanyOhio Mutual

How Much is Car Insurance for a Kia Rio?

Vehicle Liability Only Full Coverage
Kia Rio$84$176
All Kia Models$85$170
All Cars$83$177
Average Insurance Premium$81$169

If you look at the table above, you'll find that compared to other vehicles, Kia Rio insurance premiums are right about average. On average, Rio owners will pay around $84 per month for liability insurance, and about $176 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

Compared to other Kia models, the Rio's insurance premium is matches the rest of the manufacturer's vehicle lineup. Compared to offerings from other brands, car insurance for a Rio runs close to average, with liability insurance prices coming in at $1 higher than other cars and full coverage insurance premiums at $1 cheaper.

When compared to all vehicles, regardless of make, body style, or model, the Rio follows a similar pattern of having average insurance rates.

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Who has the Cheapest Car Insurance for a Kia Rio?

Insurance Company Average Monthly Premium
StateAuto$25
Hugo$38
Commonwealth Casualty$40
Workmens$46
AmericanAlliance$46

If you're searching for a new car insurance policy for your Kia Rio, you might want to know which carrier offers the lowest premiums. Although costs will typically be pretty different from person to person, StateAuto has the lowest average rates for liability only coverage, with rates sometimes as low as $25 per month. The runner up for most affordable rates is Hugo, with auto insurance policies starting sometimes as little as $38 monthly.

Rounding out the list are Commonwealth Casualty, Workmens, and AmericanAlliance. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance companies take a range of variables into consideration when calculating monthly prices. Since every driver is different, there's only one way to make sure you get the lowest premiums, and that's by getting personalized quotes and comparing rates from lots of insurance carriers.

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What Factors Affect Car Insurance Rates for a Kia Rio?

As we mentioned above, there are numerous factors that auto insurance companies use to calculate how much they charge for car insurance -- and each company weighs certain attributes more than others, so there's not a singular carrier that's the cheapest for every driver.

Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$95
2-3 Years$90
4-5 Years$81
6-7 Years$88
8-10 Years$83
11-14 Years$81
15 Years or Older$80

The Kia Rio has been around for a while, so vehicle age will likely play a big role in what you end up paying for insurance. Normally, it costs more to insure newer cars because they're worth more, however, as time goes on and Rios begin to depreciate, insurance costs will gradually get lower.

From the table above, you can see the Kia Rio is inline with this trend, as the most expensive models to insure are those that are 1 year old or less, while the cheapest models are Rios that are 15 years old or more, on average.

Your Age

Age Average Monthly Premium
Under 18Not Enough Data
18-24$121
25-34$79
35-44$78
45-54$63
55-64$57
65 or Older$63

How old you are plays a significant role in how much you pay for car insurance. In the table above, you'll see that drivers under 24 have more expensive premiums than those who have more experience on the road. In this case, drivers aged between 18 and 24 pay $42 more than those 25 or older.

Insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the Rio.

Your Gender

Gender Average Monthly Premium
Male$87
Female$83

Women tend to pay less for insurance than men. This is because men are more likely to get into collisions and get tickets, which raises the chances of an insurance claim. When it comes to Rio drivers specifically, men pay around $87 a month for auto insurance, while women pay about $83.

Where You Live

State Average Monthly Premium
California$57
Florida$133
Georgia$120
Illinois$64
New York$175
North Carolina$53
Ohio$80
Pennsylvania$75
Texas$69
Virginia$69

You may think it's obvious that factors such as what vehicle you drive and how old you are play a role in your car insurance rates, but you may not realize that where you live has just as much of an impact. Since auto insurance is regulated at the state level, prices change quite a bit from state to state.

For example, the average Kia Rio driver in New York pays around $175 per month for liability coverage, while on average, the same owner in California will pay less than half of that price. The table above shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change between states.

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Kia Rio Car Insurance Discounts

Regardless of your home state, your car, or your age, using as many discounts as possible when it comes to your insurance is always a smart move when shopping around for a new policy.

While no two auto insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include things like:

  • Multi-vehicle discounts for adding more than one car to your auto policy
  • Pay-in-full discounts for agreeing to pay your entire policy price at once, rather than by monthly payments
  • Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)

While these are just a few of the discounts car insurance carriers offer, there are countless other ways to save money on you monthly insurance bill. Some of the best ways to save are just by having a positive insurance profile and good driving history.

While you may not have control of every factor insurance companies reference to calculate prices (like some of the ones mentioned above), you can influence some of them. Below are just a few of the ones you can use to your advantage when it comes to cost savings:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$105
Multiple Accidents$155
1 Ticket$102
Multiple Tickets$131

You've probably noticed ads from car insurance carriers posting big discounts for responsible drivers. And you're probably not surprised to hear that if you get into an accident or get tickets for speeding, insurance premiums will get higher. But how much will they cost you?

According to the table above, accidents will usually cost Rio drivers more than tickets, but both will cause a significant increase in rates. Kia Rio drivers with a single ticket will pay an average of $102 a month, while drivers with one accident on their record pay about $105 a month (up $21 from the $84/mo. overall average). Drivers with multiple violations of either kind will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$74
2,501-5,000 Miles$79
5,001-7,500 Miles$76
7,501-10,000 Miles$89
10,000+ Miles$84

Another variable that impacts your auto insurance prices is the total amount of miles you drive each year. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll generally end up paying less for insurance. In the above table, you can see that Kia Rio owners who drive fewer than 2,500 miles per year pay about $74 monthly for car insurance, while those who put 10,000 miles or more on their cars pay $84.

But if you drive less often than the average driver or work from home, it may be worth learning about usage-based or pay-per-mile auto insurance. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Kia Rios Compare to Other Vehicles?

If you're thinking about purchasing a Kia Rio, it can pay off to do your homework. Auto insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth considering.

Review the table below to see how the Kia Rio stacks up:

Kia Rio National Average
Liability Insurance$122$81
Full Coverage Insurance$246$169
Base MSRP$16,050$46,179
Average Annual Mileage10,83011,660

With an MSRP that's less than half of the going rate for a new vehicle, the Kia Rio is a great value when it comes to price. The Rio goes for $16,050, which is quite a bit lower than the national average vehicle MSRP of $46,179.

Unlike the Rio's lower price, insurance rates are higher when compared to other vehicles on the market. Liability insurance for a Kia Rio is about $41 per month more than average, while full coverage is over $50 more a month.

When it comes to usage, Kia Rio owners drive about the same amount annually as the national average, with 10,830 miles every year compared to 11,660 for all vehicles.

Kia Rio Car Insurance Costs by Model Year

So far, you've seen how different things affect how much you might pay for auto insurance. But if you're considering purchasing a new Rio, knowing what you can expect to pay can be extremely helpful as you weigh your choices.

That's why we've done the heavy lifting and analyzed Kia Rio car insurance premiums by model year. Find the model year you want in the dropdown to see average rates for both liability only and full coverage options. You'll also find some other helpful info, such as cheapest insurance company available trims for each year the Rio has been around.

2021 Kia Rio Car Insurance

   
Liability Only Avg. Premium$122
Full Coverage Avg. Premium$246
Base MSRP$16,050
Cheapest Insurance CompanyEsurance - $33/mo.
Available TrimsLX/S, S

As we saw above, the Kia Rio is a great budget option for someone looking to buy a brand new car.

When it comes to insurance, on average, it costs around $246 per month to buy full coverage insurance for a 2021 Kia Rio and $122 monthly for a liability only policy. And if you want the most affordable insurance possible, Esurance offers liability only policies for as cheap as just $33 per month.

Even though it's helpful to know how much the average driver pays for insurance, there's no way to know exactly how much you'll pay without getting a personalized quote. With Compare.com, you can gather lots of quotes at once, all for free. Simply enter your ZIP code below to get started.

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2020 Kia Rio Car Insurance

   
Liability Only Avg. Premium$98
Full Coverage Avg. Premium$198
Base MSRP$15,850
Cheapest Insurance CompanyClearcover - $21/mo.
Available TrimsLX/S

If you're in the market for a 2020 Rio or already own one, you're most likely looking at an average car insurance rate of about $198 for full coverage or $98 for a liability only policy.

And if you're just looking for the cheapest auto insurance for your Rio, Clearcover offers liability only policies for sometimes as cheap as $21 monthly.

Want to figure out exactly what you'll be asked to pay? Get a variety of customized quotes for free by just entering your ZIP code below.

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2019 Kia Rio Car Insurance

   
Liability Only Avg. Premium$91
Full Coverage Avg. Premium$204
Base MSRP$15,390
Cheapest Insurance CompanySafeco - $28/mo.
Available TrimsEX, S

You can expect full coverage for a 2019 Kia Rio to run around $204 a month, while liability only coverage will average about $91 monthly.

Looking for the most affordable policy? Safeco offered liability only coverage for as cheap as $28 per month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2018 Kia Rio Car Insurance

   
Liability Only Avg. Premium$103
Full Coverage Avg. Premium$237
Base MSRP$13,900
Cheapest Insurance CompanyClearcover - $21/mo.
Available TrimsEX, LX/S

The average cost to insure a 2018 Rio with liability only coverage is $103 a month, while full coverage runs around $237 monthly.

Clearcover has rates as little as just $21 a month for the 2018 Kia Rio.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2017 Kia Rio Car Insurance

   
Liability Only Avg. Premium$77
Full Coverage Avg. Premium$191
Base MSRP$14,165
Cheapest Insurance CompanyClearcover - $22/mo.
Available TrimsEX, EX/SX, LX

2017 Kia Rio drivers can expect to pay an average of $77 per month for liability or $191 for full coverage.

If you're looking for the lowest possible 2017 Kia Rio insurance policy, Clearcover offered the lowest policy we found, with rates as low as $22 monthly.

If you want to find the best prices for car insurance for a 2017 Kia Rio, enter your ZIP code below and compare a bunch of personalized quotes in just a few minutes.

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2016 Kia Rio Car Insurance

   
Liability Only Avg. Premium$91
Full Coverage Avg. Premium$179
Base MSRP$14,165
Cheapest Insurance CompanyHugo - $19/mo.
Available TrimsEX, EX/SX, LX

On average, drivers who own a 2016 Rio can expect to pay $91 to $179 per month for liability only and full coverage auto insurance, respectively.

We found Hugo offered the most affordable policy, with rates as low as just $19 a month.

Want to find the best rates? Enter your ZIP code below to get several customized quotes for free.

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2015 Kia Rio Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$167
Base MSRP$13,990
Cheapest Insurance CompanyCommonwealth Casualty - $21/mo.
Available TrimsEX/SX, LX

It costs about $79 per month for liability or $167 for a full coverage policy for the 2015 Kia Rio.

With rates as little as $21 a month, Commonwealth Casualty offered the cheapest policy we found.

While these are good estimates of what the average driver might pay to insure a 2015 Kia Rio, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2014 Kia Rio Car Insurance

   
Liability Only Avg. Premium$85
Full Coverage Avg. Premium$171
Base MSRP$15,000
Cheapest Insurance CompanyCommonwealth Casualty - $23/mo.
Available TrimsEX, LX, SX

You can expect full coverage for a 2014 Rio to run around $171 monthly, while liability only coverage will average about $85 a month.

With prices as low as just $23 monthly, Commonwealth Casualty offered the lowest policy we found for the 2014 Kia Rio.

Interested in what your insurance rate will be? Get multiple free personalized quotes by just entering your ZIP code below.

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2013 Kia Rio Car Insurance

   
Liability Only Avg. Premium$83
Full Coverage Avg. Premium$166
Base MSRP$13,600
Cheapest Insurance CompanyStateAuto - $18/mo.
Available TrimsEX/SX, LX, SX

2013 Kia Rio drivers can expect to pay an average of $83 per month for liability or $166 for full coverage.

StateAuto offered the most affordable policy we found, with rates sometimes as cheap as $18 monthly.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2012 Kia Rio Car Insurance

   
Liability Only Avg. Premium$96
Full Coverage Avg. Premium$171
Base MSRP$13,400
Cheapest Insurance CompanyClearcover - $20/mo.
Available TrimsBASE/LX/SX, EX/SX, LX

The average cost to insure a 2012 Rio with liability only coverage is $96 per month, while full coverage runs around $171 a month.

With premiums sometimes as little as $20 per month, Clearcover offered the lowest policy we found.

If you want to know exactly how much you can expect to pay for your Rio, just enter your ZIP code below and get several free quotes in minutes.

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2011 Kia Rio Car Insurance

   
Liability Only Avg. Premium$81
Full Coverage Avg. Premium$161
Base MSRP$12,295
Cheapest Insurance CompanyMetLife - $21/mo.
Available TrimsBASE/LX/SX, LX

It costs about $81 a month for liability or $161 for a full coverage policy for the 2011 Kia Rio.

MetLife has prices as low as $21 monthly for the 2011 Kia Rio.

While these are good estimates of what the average driver might pay to insure a 2011 Kia Rio, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2010 Kia Rio Car Insurance

   
Liability Only Avg. Premium$91
Full Coverage Avg. Premium$180
Base MSRP$11,695
Cheapest Insurance CompanyClearcover - $18/mo.
Available TrimsLX/SX

On average, drivers who own a 2010 Rio can expect to pay $91 to $180 a month for liability only and full coverage auto insurance, respectively.

With prices as little as $18 per month, Clearcover offered the cheapest policy we found for the 2010 Kia Rio.

Interested in exactly how much you'll pay? Enter your ZIP code below to get lots of free personalized quotes.

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Kia Rio Insurance FAQs

Is a Kia Rio expensive to insure?

The cost of insurance for the Kia Rio is about on par with the average car. Liability insurance runs an average of $84 monthly, while full coverage will cost you around $176.

How can I get the best price on car insurance for my Kia Rio?

There's only one way to make sure you're getting the most affordable rates -- regularly shopping around and comparing quotes from a wide array of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a multitude of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Kia Rio affect my insurance rates?

You may have heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not true. While there are a variety of variables car insurance companies examine when they offer you a premium, your vehicle's color is not one of them.

Do I need to have insurance before I buy a Kia Rio?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have valid insurance for it. Some dealerships might offer you an insurance policy as part of the car-buying process, but the best thing to do when buying a a new car is to talk with your car insurance carrier beforehand.

What car insurance discounts can I get for my Kia Rio?

There are a variety of discounts out there for auto insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the Rio you drive, but if your Rio has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to get in touch with your insurance company and ask about their list of discounts, since they vary quite a bit from carrier to carrier.

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