Kia Rio Car Insurance Calculator

Observe in real-time how the choices you make influence insurance rates for a Kia Rio. Update factors like driver's age, policy discounts, and trim level and watch how each affects your rate. Know immediately if the choice you make has an impact on rates and why.

The average estimated car insurance premium for a 2022 Kia Rio is $2,124 per year, or about $177 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,124

Cost Per Month

$177

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Kia Rio Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Kia Rio.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,124
Average Rate
Your Rate
$2,124

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Kia Rio.

The 'Average Rate' is a combined value for all Kia Rio trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2022 Kia Rio is $2,124.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2022 Kia Rio vs. the Small Car Segment

The table below compares insurance rates for the 2022 Kia Rio against all other models in the small car segment. The Kia Rio is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Kia Rio, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Kia Rio.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2022 Kia Rio Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Impreza$1,856-$268
2Chevrolet Spark$1,860-$264
3Volkswagen Golf$2,056-$68
4Volkswagen Jetta$2,074-$50
5Nissan Sentra$2,082-$42
6Toyota Corolla$2,098-$26
7Honda Civic$2,106-$18
8Mazda 3$2,114-$10
9Kia Rio$2,124--
10Toyota Prius$2,136$12
11Hyundai Accent$2,160$36
12Kia Forte$2,184$60
13Hyundai Veloster$2,196$72
2022 Small Car Average$2,199$75
14Nissan Leaf$2,284$160
15Hyundai Ioniq$2,288$164
16Honda Clarity$2,354$230
17Hyundai Elantra$2,408$284
18Nissan Versa$2,414$290
19Mitsubishi Mirage G4$2,424$300
20Toyota Mirai$2,762$638

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2022 Rio Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 Kia Rio.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2022 Kia Rio Insurance Rates by Trim Level
2022 Kia Rio Trim Level Annual Premium Cost Per Month
LX$2,106$176
S 5-door Hatchback$2,132$178
S$2,134$178

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2022 Kia Rio for different driver ages.

2022 Kia Rio Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,872$656
17$7,486$624
18$6,452$538
19$5,979$498
20$4,524$377
21$4,313$359
22$3,823$319
23$3,241$270
24$3,024$252
25$2,450$204
30$2,238$187
35$2,192$183
40$2,124$177
45$2,006$167
50$1,914$160
55$1,784$149
60$1,786$149
65$1,894$158
70$2,096$175
75$2,528$211
80$3,114$260

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Kia Rio trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Kia Rio.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Kia Rio Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2022 Kia Rio$2,124$177
2021 Kia Rio$1,928$161
2020 Kia Rio$1,880$157
2019 Kia Rio$1,934$161
2018 Kia Rio$2,014$168
2017 Kia Rio$1,938$162
2016 Kia Rio$1,612$134
2015 Kia Rio$1,488$124
2014 Kia Rio$1,334$111
2013 Kia Rio$1,300$108

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Kia Rio trim levels for each model year.