Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Kia Rio? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Kia Rio car insurance facts

  • Average full coverage auto insurance premium: $126/month

  • Most affordable companies: Tennessee Farmers ($77/month) & Erie Insurance ($79/month)

  • Rio car insurance cost vs. average rates: $41 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Kia Rio by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Kia Rio insurer costs by state:

Risk factors affecting Kia Rio car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Kia Rio car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Kia models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Kia automobile brand

Kia Corporation is a South Korean multinational automaker specializing in affordable sport utility vehicles (SUVs) and exceptional reliability for the United States market. Kia is the second-largest auto manufacturer in South Korea after Hyundai. The target audience of Kia is young couples that are physically active with a high interest in new technology. All Kia automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Kia Forte, Kia Soul, Optima, and Kia Sorento are some of their most popular vehicles.

High Kia Rio repair costs equal high coverage rates

Many consumers are attracted to Kia’s high-tech innovations and features, increased value for the money, and driver-assist technologies, like Kia’s DriveWise safety features. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Kia is higher than average since repair parts are slightly more expensive. For this reason, many Kias are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Kia Rio affecting auto policies

Another factor to consider for Kia is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Kia models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Kia IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Kias are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Kia’s DriveWise technology innovations and safety, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Kia models. The Kia Forte, Stinger, Sportage, and Sorento are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Kia automobiles top safety ratings each year lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Kia automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Kia Rio

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1913
Acuity$1826
Allstate$1430
Auto-Owners$980
Direct Auto$1784
Erie$945
GEICO$1042
Kentucky Farm Bureau$1612
Liberty Mutual$1335
Nationwide$1268
Progressive$1580
Safe Auto$1436
State Farm$1106
Tennessee Farmers$930
Texas Farm Bureau$1145
The Hanover$1753
Travelers$1168
USAA$1010

Compare all 2021 Kia Rio rates

Average Cost to Insure Per Year

$1506

List Price

$16050

Trims Available

LX - S - EX - Base Engine: turbocharged 1.6-liter four-cylinder with 120 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2020 Kia Rio

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1823
Allstate$1402
Auto-Owners$978
Erie$935
Farmers$1570
GEICO$1030
Liberty Mutual$1330
Mercury$1490
Nationwide$1256
Progressive$1569
State Farm$1090
Tennessee Farmers$926
Texas Farm Bureau$1135
The Hanover$1742
Travelers$1155
USAA$1006

Compare all 2020 Kia Rio rates

Average Cost to Insure Per Year

$1499

List Price

$15850

Trims Available

LX - S - EX - Base Engine: turbocharged 1.6-liter four-cylinder with 120 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2019 Kia Rio

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1820
Allstate$1399
Auto-Owners$976
Erie$925
GEICO$1026
Kentucky Farm Bureau$1690
Liberty Mutual$1324
Mercury$1489
Nationwide$1253
Progressive$1567
State Farm$1087
Tennessee Farmers$910
Texas Farm Bureau$1124
The Hanover$1735
Travelers$1152
USAA$998

Compare all 2019 Kia Rio rates

Average Cost to Insure Per Year

$1480

List Price

$16990

Trims Available

LX - S - EX - Base Engine: turbocharged 1.6-liter four-cylinder with 120 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2018 Kia Rio

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1252
Acuity$ 1252
Allied$ 1258
Allied$ 1258
American Family$ 1226
American Family$ 1226
Arbella$ 1329
Arbella$ 1329
Country$ 1294
Country$ 1294
Erie$ 968
Erie$ 968
GEICO$ 1237
GEICO$ 1237
Plymouth Rock Insurance$ 1040
Plymouth Rock Insurance$ 1040
Progressive$ 1272
Progressive$ 1272
State Farm$ 1310
State Farm$ 1310
USAA$ 912
USAA$ 912
Vermont Mutual$ 1102
Vermont Mutual$ 1102

Compare all 2018 Kia Rio rates

Average Cost to Insure Per Year

$ 1468

List Price

$ 13900

Trims Available

LX - S - EX

2017 Kia Rio

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1288
Acuity$ 1288
Allied$ 1261
Allied$ 1261
American Family$ 1332
American Family$ 1332
Arbella$ 1361
Arbella$ 1361
Country$ 1337
Country$ 1337
Erie$ 1158
Erie$ 1158
Mercury$ 1310
Mercury$ 1310
Plymouth Rock Insurance$ 1165
Plymouth Rock Insurance$ 1165
Tennessee Farmers$ 1057
Tennessee Farmers$ 1057
Texas Farm Bureau$ 984
Texas Farm Bureau$ 984
USAA$ 965
USAA$ 965
Vermont Mutual$ 1123
Vermont Mutual$ 1123

Compare all 2017 Kia Rio rates

Average Cost to Insure Per Year

$ 1255

List Price

$ 14165

Trims Available

SX - LX - EX

2016 Kia Rio

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1225
Acuity$ 1225
American Family$ 1228
American Family$ 1228
Arbella$ 1260
Arbella$ 1260
Country$ 1256
Country$ 1256
Erie$ 992
Erie$ 992
GEICO$ 1149
GEICO$ 1149
Plymouth Rock Insurance$ 1125
Plymouth Rock Insurance$ 1125
Progressive$ 1240
Progressive$ 1240
Tennessee Farmers$ 1011
Tennessee Farmers$ 1011
Texas Farm Bureau$ 868
Texas Farm Bureau$ 868
USAA$ 958
USAA$ 958
Vermont Mutual$ 1038
Vermont Mutual$ 1038

Compare all 2016 Kia Rio rates

Average Cost to Insure Per Year

$ 1201

List Price

$ 14165

Trims Available

LX - EX - SX

2015 Kia Rio

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1173
Acuity$ 1173
American Family$ 1192
American Family$ 1192
Country$ 1215
Country$ 1215
Erie$ 906
Erie$ 906
GEICO$ 967
GEICO$ 967
Plymouth Rock Insurance$ 1089
Plymouth Rock Insurance$ 1089
Progressive$ 1174
Progressive$ 1174
State Farm$ 1139
State Farm$ 1139
Tennessee Farmers$ 1017
Tennessee Farmers$ 1017
Texas Farm Bureau$ 809
Texas Farm Bureau$ 809
USAA$ 899
USAA$ 899
Vermont Mutual$ 975
Vermont Mutual$ 975

Compare all 2015 Kia Rio rates

Average Cost to Insure Per Year

$ 1118

List Price

$ 13900

Trims Available

LX - EX - SX

2014 Kia Rio

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1139
Acuity$ 1139
American Family$ 1146
American Family$ 1146
Country$ 1209
Country$ 1209
Erie$ 905
Erie$ 905
GEICO$ 881
GEICO$ 881
Plymouth Rock Insurance$ 1063
Plymouth Rock Insurance$ 1063
Progressive$ 1084
Progressive$ 1084
State Farm$ 1048
State Farm$ 1048
Tennessee Farmers$ 1001
Tennessee Farmers$ 1001
Texas Farm Bureau$ 794
Texas Farm Bureau$ 794
USAA$ 855
USAA$ 855
Vermont Mutual$ 940
Vermont Mutual$ 940

Compare all 2014 Kia Rio rates

Average Cost to Insure Per Year

$ 1087

List Price

$ 13900

Trims Available

LX - EX - SX

2013 Kia Rio

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1126
Acuity$ 1126
American Family$ 1177
American Family$ 1177
Arbella$ 1164
Arbella$ 1164
Erie$ 900
Erie$ 900
GEICO$ 1006
GEICO$ 1006
Plymouth Rock Insurance$ 1049
Plymouth Rock Insurance$ 1049
Progressive$ 1167
Progressive$ 1167
State Farm$ 1137
State Farm$ 1137
Tennessee Farmers$ 991
Tennessee Farmers$ 991
Texas Farm Bureau$ 801
Texas Farm Bureau$ 801
USAA$ 865
USAA$ 865
Vermont Mutual$ 913
Vermont Mutual$ 913

Compare all 2013 Kia Rio rates

Average Cost to Insure Per Year

$ 1089

List Price

$ 13600

Trims Available

LX - EX - SX

2012 Kia Rio

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1091
Acuity$ 1091
Allied$ 1158
Allied$ 1158
American Family$ 1152
American Family$ 1152
Erie$ 882
Erie$ 882
GEICO$ 963
GEICO$ 963
Plymouth Rock Insurance$ 1011
Plymouth Rock Insurance$ 1011
Progressive$ 1076
Progressive$ 1076
State Farm$ 1087
State Farm$ 1087
Tennessee Farmers$ 983
Tennessee Farmers$ 983
Texas Farm Bureau$ 795
Texas Farm Bureau$ 795
USAA$ 839
USAA$ 839
Vermont Mutual$ 879
Vermont Mutual$ 879

Compare all 2012 Kia Rio rates

Average Cost to Insure Per Year

$ 1059

List Price

$ 13400

Trims Available

LX - EX - SX

2011 Kia Rio

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1137
Allied$ 1137
American Family$ 1087
American Family$ 1087
Arbella$ 1021
Arbella$ 1021
Country$ 1140
Country$ 1140
Erie$ 782
Erie$ 782
GEICO$ 978
GEICO$ 978
Plymouth Rock Insurance$ 1017
Plymouth Rock Insurance$ 1017
Progressive$ 1111
Progressive$ 1111
Tennessee Farmers$ 947
Tennessee Farmers$ 947
Texas Farm Bureau$ 776
Texas Farm Bureau$ 776
USAA$ 875
USAA$ 875
Vermont Mutual$ 813
Vermont Mutual$ 813

Compare all 2011 Kia Rio rates

Average Cost to Insure Per Year

$ 1037

List Price

$ 12295

Trims Available

Base - LX - SX