2016 Kia Rio Car Insurance Calculator

Learn visually how changes to risk factors and vehicle options affect car insurance rates for a 2016 Kia Rio. Experiment with trim level options, driving record, policy coverages, and annual miles driven to see the impact on rates. Instantly see if the decisions you make influence insurance rates.

The average estimated car insurance premium for a 2016 Kia Rio is $1,612 per year, or about $134 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

$1,612

Cost Per Month

$134

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 2016 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.

$1,612
Average Rate
Your Rate
$1,612

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 2016 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 2016 Kia Rio is $1,612.

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.

2016 Kia Rio vs. the Small Car Segment

The table below compares insurance rates for the 2016 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.

2016 Kia Rio Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,254-$358
2Chrysler Fiat 500$1,360-$252
3Honda Fit$1,386-$226
4Toyota Yaris$1,394-$218
5Nissan Versa$1,396-$216
6Ford Fiesta$1,408-$204
7Subaru Impreza$1,472-$140
8Scion IM$1,488-$124
9Chevrolet Spark$1,500-$112
10Hyundai Accent$1,504-$108
11Volkswagen Golf$1,518-$94
12Mazda 3$1,538-$74
13Scion IA$1,540-$72
14Honda CR-Z$1,576-$36
15Honda Civic$1,586-$26
16Nissan Sentra$1,590-$22
17Kia Rio$1,612--
18Toyota Corolla$1,628$16
2016 Small Car Average$1,636$24
19Nissan Leaf$1,642$30
20Toyota Prius$1,644$32
21Hyundai Veloster$1,650$38
22Chevrolet Sonic$1,668$56
23Volkswagen Beetle$1,694$82
24Volkswagen GTI$1,706$94
25Chevrolet Volt$1,708$96
26Chevrolet Cruze$1,712$100
27Volkswagen EOS$1,716$104
28Kia Forte$1,724$112
29Ford Focus$1,744$132
30Hyundai Elantra$1,760$148
31Scion FR-S$1,778$166
32Mitsubishi Lancer$1,838$226
33Volkswagen E-Golf$1,852$240
34Volkswagen Jetta$1,924$312
35Dodge Dart$1,968$356
36Scion TC$2,022$410
37Toyota Mirai$2,036$424

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.

2016 Rio Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 Kia Rio Insurance Rates by Trim Level
2016 Kia Rio Trim Level Annual Premium Cost Per Month
5 LX Hatchback$1,344$112
5 EX Hatchback$1,410$118
5 SX Hatchback$1,506$126
LX Sedan$1,732$144
EX Sedan$1,794$150
SX Sedan$1,890$158

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 2016 Kia Rio for different driver ages.

2016 Kia Rio Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,050$504
17$5,742$479
18$4,924$410
19$4,569$381
20$3,446$287
21$3,284$274
22$2,905$242
23$2,465$205
24$2,299$192
25$1,862$155
30$1,698$142
35$1,666$139
40$1,612$134
45$1,526$127
50$1,456$121
55$1,358$113
60$1,358$113
65$1,442$120
70$1,604$134
75$1,944$162
80$2,398$200

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.