2013 Kia Rio Car Insurance Calculator

Observe in real-time how changing risk factors impact car insurance rates for a 2013 Kia Rio. Experiment with options like your location, homeowner status, and credit score to see how rates are affected. Immediately see if the selections you make raise or lower your rate.

The average estimated car insurance premium for a 2013 Kia Rio is $1,300 per year, or about $108 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

$1,300

Cost Per Month

$108

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 2013 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.

$1,300
Average Rate
Your Rate
$1,300

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.

The 'Average Rate' is a combined value for all 2013 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 2013 Kia Rio is $1,300.

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.

2013 Kia Rio vs. the Small Car Segment

The table below compares insurance rates for the 2013 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.

2013 Kia Rio Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,032-$268
2Chrysler Fiat 500$1,064-$236
3Mazda 2$1,084-$216
4Nissan Leaf$1,094-$206
5Toyota Matrix$1,106-$194
6Scion IQ$1,128-$172
7Chevrolet Spark$1,192-$108
8Kia Rio5$1,242-$58
9Hyundai Accent$1,254-$46
10Ford Fiesta$1,262-$38
11Chevrolet Sonic$1,274-$26
12Honda Fit$1,276-$24
13Kia Rio$1,300--
14Nissan Versa$1,306$6
15Toyota Yaris$1,322$22
16Nissan Sentra$1,330$30
17Hyundai Elantra$1,336$36
18Honda CR-Z$1,354$54
19Mazda 3$1,358$58
2013 Small Car Average$1,362$62
20Toyota Corolla$1,364$64
21Honda Civic$1,370$70
22Volkswagen Beetle$1,380$80
23Mazda Mazdaspeed 3$1,432$132
24Volkswagen GTI$1,462$162
25Dodge Dart$1,466$166
26Volkswagen Jetta$1,470$170
27Toyota Prius$1,474$174
28Chevrolet Cruze$1,480$180
29Subaru Impreza$1,484$184
30Kia Forte$1,488$188
31Volkswagen Golf$1,492$192
32Ford Focus$1,496$196
33Volkswagen EOS$1,508$208
34Hyundai Veloster$1,520$220
35Scion FR-S$1,534$234
36Chevrolet Volt$1,598$298
37Scion TC$1,668$368
38Mitsubishi Lancer$1,742$442

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.

2013 Rio Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 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.

2013 Kia Rio Insurance Rates by Trim Level
2013 Kia Rio Trim Level Annual Premium Cost Per Month
LX Sedan$1,220$102
EX Sedan$1,338$112
SX Sedan$1,346$112

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 2013 Kia Rio for different driver ages.

2013 Kia Rio Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$4,864$405
17$4,620$385
18$3,966$331
19$3,679$307
20$2,776$231
21$2,646$221
22$2,344$195
23$1,989$166
24$1,851$154
25$1,500$125
30$1,366$114
35$1,342$112
40$1,300$108
45$1,228$102
50$1,174$98
55$1,098$92
60$1,098$92
65$1,162$97
70$1,292$108
75$1,560$130
80$1,928$161

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.