2013 Kia Rio5 Car Insurance Calculator

See in real-time how different driver and vehicle factors influence insurance rates for a 2013 Kia Rio5. Customize choices like credit rating, policy coverages, and liability limits and watch the impact on your premiums. See instantly if the choice you make has a positive or negative impact on rates.

The average estimated car insurance premium for a 2013 Kia Rio5 is $1,242 per year, or about $104 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

$1,242

Cost Per Month

$104

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 2013 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.

$1,242
Average Rate
Your Rate
$1,242

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 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 2013 Kia Rio5 is $1,242.

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 Rio5 vs. the Small Car Segment

The table below compares insurance rates for the 2013 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.

2013 Kia Rio5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,032-$210
2Chrysler Fiat 500$1,064-$178
3Mazda 2$1,084-$158
4Nissan Leaf$1,094-$148
5Toyota Matrix$1,106-$136
6Scion IQ$1,128-$114
7Chevrolet Spark$1,192-$50
8Kia Rio5$1,242--
9Hyundai Accent$1,254$12
10Ford Fiesta$1,262$20
11Chevrolet Sonic$1,274$32
12Honda Fit$1,276$34
13Kia Rio$1,300$58
14Nissan Versa$1,306$64
15Toyota Yaris$1,322$80
16Nissan Sentra$1,330$88
17Hyundai Elantra$1,336$94
18Honda CR-Z$1,354$112
19Mazda 3$1,358$116
2013 Small Car Average$1,362$120
20Toyota Corolla$1,364$122
21Honda Civic$1,370$128
22Volkswagen Beetle$1,380$138
23Mazda Mazdaspeed 3$1,432$190
24Volkswagen GTI$1,462$220
25Dodge Dart$1,466$224
26Volkswagen Jetta$1,470$228
27Toyota Prius$1,474$232
28Chevrolet Cruze$1,480$238
29Subaru Impreza$1,484$242
30Kia Forte$1,488$246
31Volkswagen Golf$1,492$250
32Ford Focus$1,496$254
33Volkswagen EOS$1,508$266
34Hyundai Veloster$1,520$278
35Scion FR-S$1,534$292
36Chevrolet Volt$1,598$356
37Scion TC$1,668$426
38Mitsubishi Lancer$1,742$500

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 Rio5 Insurance Rates by Trim Level

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

2013 Kia Rio5 Insurance Rates by Trim Level
2013 Kia Rio5 Trim Level Annual Premium Cost Per Month
LX Hatchback$1,178$98
EX Hatchback$1,272$106
SX Hatchback$1,272$106

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 Rio5 for different driver ages.

2013 Kia Rio5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$4,652$388
17$4,408$367
18$3,763$314
19$3,502$292
20$2,640$220
21$2,516$210
22$2,225$185
23$1,896$158
24$1,765$147
25$1,428$119
30$1,302$109
35$1,282$107
40$1,242$104
45$1,174$98
50$1,122$94
55$1,048$87
60$1,048$87
65$1,110$93
70$1,238$103
75$1,500$125
80$1,850$154

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.