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Compare quotes for Kia Rio car insurance cost, 2022

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of car insurance for Kia Rio owners is $1,886 a year. However, exact rates vary from model to model: for instance, the Sportage X Line costs $214 more per year to insure than the Sedona Ex Premium

Kia Rio car insurance cost

One of the primary determining factors for your Kia Rio insurance rate is the age of your vehicle. Here's how much it costs to insure your Rio by car year:
Model year
Average Cost
Annual Savings with Jerry
2011$2,640$798
2006$3,256$789
2005$2,190$290
2004$5,471$2,429
2003$1,758$922
2002$1,512$198
2001$1,080$264
If you drive a Kia Rio , you can expect your insurance costs to vary depending on trim level, upgrades, and the coverage level you select. Here's how your insurance cost compares to other similar cars:

Best car insurance companies for your Kia Rio

If you drive a Kia, you probably put a high value on the things Kia does best: reliability, practicality, and quality that stands the test of time.
Take a look at the table below to see the options different insurance companies offer for Kia Rio drivers.
Insurance company
Average Cost
Annual Savings with Jerry
Clearcover$3,042$1,992
Kemper$2,484$1,706
Plymouth Rock$4,536$1,312
Progressive$3,766$1,278
National General$3,440$1,111
Travelers$2,292$967
Safeco$2,536$840
Bristol West$3,648$796
Assurance America$1,800$468
Mercury$1,620$106

Compare car insurance quotes for Kia Rio

But with all the different insurance companies and coverage options out there, how do you find the right insurance? With support from Jerry’s insurance experts, switching policies is close to effortless—with no unwanted phone calls, no duplicate paperwork, and no long wait times.
See for yourself what real Jerry customers saved by shopping for Kia insurance in the app!
Quote DateZip CodeStateCityNameAgeInsurance Company
Before Jerry
After Jerry
January 24, 202345638OHIrontonCarolyn F.38Progressive$840$824
November 7, 202232539FLCrestviewBradley L.19Progressive$4,500$4,366
July 3, 202230233GAJacksonJean L.46Assurance America$960$754
December 4, 202115001PAAliquippaRhoda B.22National General$4,536$2,260
September 1, 202132803FLOrlandoJane O.31Progressive$1,620$1,110

Best car insurance companies for Kia Rio drivers with bad driving records

Look—Jerry knows you’re not a bad driver. In fact, our research shows that nearly 50% of U.S. drivers would rate themselves as “great,” and over half of Americans believe they’re the best driver in their immediate family.
But, well, stuff happens. And when that stuff hits the fan—whether it’s that speeding ticket you got while you were vibing to Beyonce’s new single or the DUI you picked up after that night of bad decisions in college—insurance companies are likely to raise your rates and even label you a “high-risk driver." Take a look at the table below to see how Jerry customers with previous infractions adjusted their rates
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,028$1,098
Failure to Obey Traffic Sign$5,400$3,115
Speeding under 15$3,400$739
Defective Equipment$4,500$82
Suspension$4,500$82
Careless Driving$4,500$82
Other$3,000$1,248

How much does Kia Rio insurance go up after a DUI?

If you get a DUI while driving your Rio, you can expect your premium to increase by an average of 15%.

How much does Kia Rio insurance go up after a speeding ticket?

We’ve all been there. If you get a speeding ticket in your Rio, your insurance premium could increase by an average of 38%

Best Car Insurance for Kia Rio by Age

If you’re a young driver, you might feel like you need literal superpowers to find decent car insurance at a fair price. That’s because most insurance companies label drivers under age 25 as “high-risk drivers”—regardless of their actual driving record!
The logic makes sense: because young drivers are less experienced, they tend to have statistically higher accident rates. Companies hike young drivers’ premiums to account for their perceived risk, even if their records are spotless.
If you’re under 25, you could be paying as much as $122 more every month for your insurance. Below is a comparison of average rates Jerry customers saw, broken down by age.

Best Car Insurance for Kia Rio by Location

Maybe you’ve got a perfect driving record and you’ve got a decent number of years behind the wheel. But your insurance premiums are still high—why?
It’s all about risk. If you live somewhere with high rates of auto theft, traffic accidents, or severe weather, the risk to your vehicle goes up. Where you see your neighborhood, your insurance company sees a higher chance of expensive claims, and they’ll factor that into your premium.
So where can Kia Rio drivers find the lowest rates—and where can you expect higher-than-average premiums? Take a look at the breakdown below.
Quote DateCar
Before Jerry
After Jerry
Zip codeStateNameAgeInsurance Company
January 31, 2023Toyota 4Runner SR5$100/mo.$93/mo.75603TXJerry O.33Progressive
January 25, 2023Honda Odyssey EXL$133/mo.$99/mo.03103NHEssie G.55Progressive
January 18, 2023Nissan Altima 2.5$345/mo.$205/mo.08527NJEric K.32Progressive
January 18, 2023Nissan Altima 2.5$287/mo.$207/mo.68154NEOscar B.45Progressive
January 27, 2023Hyundai Santa FE Sport$288/mo.$260/mo.07108NJEleanor S.38Progressive

Driving a Kia Rio

Want a cheap car that drives like an expensive one? The Kia Rio delivers! Car and Driver rates it at 9/10 and they even placed it on their 2022 Editors’ Choice List due to its incredible value, starting at $16,250.The Kia Rio provides good value for the money. The structure is solid while the interior is simple and spacious with an 8.0-inch touch screen display that offers wireless smartphone mirroring options. If you upgrade from the base Rio LX to the S model, you’ll receive fantastic advanced driver-assistance technologies to optimize the safety of your ride for less than $700.Though not the fastest car, it can surprisingly hit 60 mph in just 8.6 seconds! The subcompact is as fuel-efficient as competitors with 33 mpg in the city and 41 mpg on the highway. The Kia Rio provides a sophisticated driving experience without hurting your wallet.Even with such a cost-effective car, you want to make sure you have the right car insurance coverage.
If you own a Kia Rio , here’s what you need to know about your vehicle:
  • The trim level you pick at the dealership affects your insurance rate. Opting for that top-of-the-line TRD trim will cost more upfront, and it’ll add to your monthly expenses.
  • Regular maintenance will keep your [model] in peak shape and help you avoid accidents that could raise your rate. Be sure to follow the recommended maintenance schedule in your owner’s manual!
  • If you bought your Kia Rio new, it’s worth considering new car replacement insurance to protect your investment.
Key Takeaway: The more your Kia Rio is worth, the more you’ll pay to insure and drive it.

How can you save money on insurance for a Kia Rio?

The average annual cost to insure a model is $1,886. But who says you have to be average? Here are a few hacks to help you save money on insurance.

Compare rates

You’ve heard it before: compare, compare, compare. When it comes to finding car insurance savings, comparison shopping is the name of the game.
Here’s why it works: every insurance company uses a different algorithm to set your rate. Unless you have the ability to automatically detect the optimal algorithm for your vehicle, age, zip code, etc., the only way to find the right coverage at the best rate is to compare quotes.
Actually, there is one other way—download the Jerry app, and let Jerry handle the algorithms (and the savings!) By answering a few simple questions, you can get instant access to Jerry’s pool of over 55 top insurance companies, and you’ll see rate comparisons in as little as 45 seconds!

Drive well to save

That’s right, safe driving could literally put money back in your pocket. Not only will tickets send your rate skyrocketing, but you’ll set yourself up for discounts if you can maintain a totally clean record.
If you’re close to that perfect clean record, try out a telematics program like Jerry’s Drive Well, Earn Perks to earn instant savings for your good on-road behavior. And if you’ve already got a driving history that’s, well, less than stellar, don’t despair: Jerry can still help you find low rates and improve your driving (and it’s all on your phone!).

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