2019 Kia Rio Car Insurance Calculator

Explore and understand how life choices affect the cost of insurance for a 2019 Kia Rio. Customize choices like coverage deductibles, age of the driver, and policy discounts to learn how each impacts cost. Immediately see if the option you change raises or lowers your rate.

The average estimated car insurance premium for a 2019 Kia Rio is $1,934 per year, or about $161 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

$1,934

Cost Per Month

$161

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 2019 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.

$1,934
Average Rate
Your Rate
$1,934

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 2019 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 2019 Kia Rio is $1,934.

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.

2019 Kia Rio vs. the Small Car Segment

The table below compares insurance rates for the 2019 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.

2019 Kia Rio Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Fiesta$1,546-$388
2Honda Fit$1,548-$386
3Toyota Corolla$1,552-$382
4Fiat 500$1,560-$374
5Fiat 500L$1,650-$284
6Chevrolet Spark$1,664-$270
7Volkswagen Golf$1,678-$256
8Fiat 124 Spider$1,688-$246
9Hyundai Accent$1,690-$244
10Toyota Yaris$1,694-$240
11Smart Fortwo$1,700-$234
12Subaru Impreza$1,704-$230
13Mazda 3$1,724-$210
14Honda Civic$1,812-$122
15Fiat 500E$1,822-$112
16Nissan Sentra$1,842-$92
17Nissan Versa$1,852-$82
2019 Small Car Average$1,859-$75
18Kia Forte$1,862-$72
19Hyundai Veloster$1,868-$66
20Volkswagen Beetle$1,900-$34
21Kia Rio$1,934--
22Toyota Prius$1,950$16
23Honda Clarity$1,972$38
24Chevrolet Sonic$1,994$60
25Volkswagen GTI$2,000$66
26Hyundai Ioniq$2,016$82
27Chevrolet Cruze$2,036$102
28Chevrolet Volt$2,056$122
29Hyundai Elantra$2,096$162
30Volkswagen Jetta$2,144$210
31Volkswagen E-Golf$2,154$220
32Toyota 86$2,270$336
33Toyota Mirai$2,378$444

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.

2019 Rio Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 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.

2019 Kia Rio Insurance Rates by Trim Level
2019 Kia Rio Trim Level Annual Premium Cost Per Month
LX Sedan$1,894$158
S Hatchback$1,954$163
S Sedan$1,954$163

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 2019 Kia Rio for different driver ages.

2019 Kia Rio Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,332$611
17$6,956$580
18$5,960$497
19$5,525$460
20$4,159$347
21$3,963$330
22$3,502$292
23$2,966$247
24$2,765$230
25$2,234$186
30$2,034$170
35$1,996$166
40$1,934$161
45$1,832$153
50$1,750$146
55$1,630$136
60$1,632$136
65$1,736$145
70$1,932$161
75$2,346$196
80$2,906$242

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.