Kia Rio5 Car Insurance Calculator

Explore and learn how changes to driver risk factors and vehicle options affect the cost of insurance for a Kia Rio5. Customize choices like your marital status, location, and homeowner status to see their effect on premiums. Immediately discover if the change you make raises or lowers insurance rates and why.

The average estimated car insurance premium for a 2021 Kia Rio5 is $1,722 per year, or about $144 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

$1,722

Cost Per Month

$144

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 Rio5 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 Rio5.

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.

$1,722
Average Rate
Your Rate
$1,722

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 Rio5.

The 'Average Rate' is a combined value for all Kia Rio5 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 2021 Kia Rio5 is $1,722.

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.

2021 Kia Rio5 vs. the Small Car Segment

The table below compares insurance rates for the 2021 Kia Rio5 against all other models in the small car segment. The Kia Rio5 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 Rio5, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Kia Rio5.

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

2021 Kia Rio5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Spark$1,630-$92
2Kia Rio5$1,722--
3Toyota Corolla$1,736$14
4Volkswagen Golf$1,788$66
5Subaru Impreza$1,830$108
6Nissan Sentra$1,872$150
7Mazda 3$1,884$162
8Honda Civic$1,918$196
9Kia Rio$1,928$206
10Hyundai Accent$1,944$222
11Kia Forte$1,974$252
2021 Small Car Average$2,056$334
12Toyota Prius$2,086$364
13Hyundai Veloster$2,152$430
14Volkswagen Jetta$2,156$434
15Nissan Versa$2,164$442
16Volkswagen GTI$2,168$446
17Nissan Leaf$2,190$468
18Mitsubishi Mirage G4$2,192$470
19Honda Clarity$2,272$550
20Hyundai Elantra$2,298$576
21Hyundai Ioniq$2,340$618
22Toyota 86$2,478$756
23Toyota Mirai$2,574$852

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.

2021 Rio5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 Kia Rio5.

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.

2021 Kia Rio5 Insurance Rates by Trim Level
2021 Kia Rio5 Trim Level Annual Premium Cost Per Month
S Hatchback$1,722$144

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 2021 Kia Rio5 for different driver ages.

2021 Kia Rio5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,414$535
17$6,113$509
18$5,287$441
19$4,886$407
20$3,695$308
21$3,524$294
22$3,124$260
23$2,633$219
24$2,459$205
25$1,990$166
30$1,818$152
35$1,776$148
40$1,722$144
45$1,626$136
50$1,548$129
55$1,446$121
60$1,448$121
65$1,538$128
70$1,702$142
75$2,052$171
80$2,534$211

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 Rio5 trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Kia Rio5.

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 Rio5 Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2021 Kia Rio5$1,722$144
2017 Kia Rio5$1,602$134
2015 Kia Rio5$1,340$112
2014 Kia Rio5$1,278$107
2013 Kia Rio5$1,242$104

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 Rio5 trim levels for each model year.