Is a Kia Rio expensive to insure?

At an average annual rate of $2,746 for full coverage insurance, the Kia Rio is not very expensive to insure. However, it’s worth noting that the Rio’s average premiums are comparable to those of cars with a higher value, making it a more expensive car to insure than it is to buy.

Why is insurance for Kia so high?

Kia insurance rates have increased significantly for certain owners in recent years due to a spike in vehicle thefts targeting some Kia vehicles that lacked key security features. While Kia Rios are a less frequent target of theft than other Kia models, your insurance rates may be high if your car lacks an engine immobilizer, allowing would-be thieves to easily make off with the entire car.

Is it worth buying a Kia Rio?

The Kia Rio is attractive for its low purchase price and competitive fuel economy, but the cost of insurance for this car is comparable to costs for more expensive vehicles. While buying a Rio may save money up front, it may also be worth exploring the potential ownership costs of other vehicles with similar fuel economy.

Car Insurance for Kia Rio

How much does it cost to insure a Kia Rio?

On average, the annual cost of full coverage car insurance for a Kia Rio is $2,746, close to the national average of $2,671 per year.

These average rates are based on Bankrate’s analysis of premium data from Quadrant Information Services. The cost of car insurance varies based on a wide range of factors, which include vehicle information, from the price and availability of parts to crash test ratings and safety features.

$2,746 Avg annual full coverage
insurance premium

$847 Avg annual min coverage
insurance premium

KBB average fair purchase price: $14,680

Trims available: LX and S

Repair costs

Because the Rio was discontinued following the 2023 model year, repair components may become harder to find, making insurance for the Rio more expensive in the long term.

Safety features

The base Rio LX doesn’t come with many safety features, which could raise the cost of insurance due to added risk. However, Rios with the optional S Technology Package may see lower rates.

Crash ratings

Both the hatchback and sedan received mixed safety ratings in crash tests performed by the Insurance Institute for Highway Safety. Based on those results, insurers may place the Rio in a higher risk class.

Cheapest car insurance companies for a Kia Rio

If you own or plan to purchase a Kia Rio, the best way to find affordable auto coverage is to compare personalized rates from a range of insurers. To provide a starting point, Bankrate analyzed average premiums for the Rio from top-rated providers with wide regional or national reach in order to find competitive policies that won’t sacrifice financial strength, customer service or quality coverage.

How much does it cost to insure my Kia Rio?

The table below compares average premiums for the Kia Rio from some of the cheapest car insurance companies in Bankrate’s analysis.

2023 Kia Rio car insurance premium by carrier


Progressive	$1,761	- $985
USAA	$1,905	- $841
Geico	$1,930	- $816
Nationwide	$1,943	- $803
Auto-Owners	$2,123	- $623

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Kia Rio

A Kia Rio is among the most affordable cars to purchase, but sticking to the cheapest level of insurance coverage may not be the best financial decision. While state minimum coverage or a basic full coverage policy without endorsement might save money in the short term, it’s important to understand your coverage needs and make sure your policy meets them. You may want to work with a licensed insurance professional and consider the following coverage options:

Towing and labor coverage: If you own an older Rio, adding a towing and labor endorsement to your policy to cover the cost of roadside assistance in the event of mechanical breakdowns may be worthwhile.
High liability limits: The purpose of your car insurance policy’s liability coverage is to protect you and your assets from lawsuits. In most states, the default minimum coverage isn’t enough for most drivers, so review your limits and assets to make sure you’re covered.
Comprehensive and collision coverage: If you own your Rio outright, you’re not required to carry comprehensive or collision coverage. However, both of these types of insurance may be a good investment if you can’t afford to replace your Rio in the event of a total loss.

How to get a Kia Rio car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Kia Rio with other similar cars

Kia Rio Avg annual full coverage premium $2,746 Read More	Nissan Versa Avg annual full coverage premium $2,759 Read More	Mitsubishi Mirage Avg annual full coverage premium $2,852 See more models
Price (MSRP)
$14,680	$17,190	$16,695
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
Not rated	5 stars	4 stars
Gas mileage
32-41 mpg	32-40 mpg	36-43 mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Worse than average	Worse than average	Worse than average

Frequently asked questions

At an average annual rate of $2,746 for full coverage insurance, the Kia Rio is not very expensive to insure. However, it’s worth noting that the Rio’s average premiums are comparable to those of cars with a higher value, making it a more expensive car to insure than it is to buy.
Kia insurance rates have increased significantly for certain owners in recent years due to a spike in vehicle thefts targeting some Kia vehicles that lacked key security features. While Kia Rios are a less frequent target of theft than other Kia models, your insurance rates may be high if your car lacks an engine immobilizer, allowing would-be thieves to easily make off with the entire car.
The Kia Rio is attractive for its low purchase price and competitive fuel economy, but the cost of insurance for this car is comparable to costs for more expensive vehicles. While buying a Rio may save money up front, it may also be worth exploring the potential ownership costs of other vehicles with similar fuel economy.

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.