2014 Kia Rio5 Car Insurance Calculator

Observe in real-time how the choices you make impact the cost of insurance for a 2014 Kia Rio5. Change driving record, coverage levels, mileage driven, and vehicle usage plus many other factors. Instantly know if the selections you make raise or lower your rate.

The average estimated car insurance premium for a 2014 Kia Rio5 is $1,278 per year, or about $107 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

$1,278

Cost Per Month

$107

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 2014 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.

$1,278
Average Rate
Your Rate
$1,278

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 2014 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 2014 Kia Rio5 is $1,278.

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.

2014 Kia Rio5 vs. the Small Car Segment

The table below compares insurance rates for the 2014 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.

2014 Kia Rio5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Scion IQ$1,066-$212
2Kia Rio5$1,278--
3Nissan Versa$1,284$6
4Ford Fiesta$1,290$12
5Hyundai Accent$1,298$20
6Toyota Yaris$1,302$24
7Smart Fortwo$1,306$28
8Nissan Sentra$1,312$34
9Chevrolet Sonic$1,316$38
10Chevrolet Spark$1,322$44
11Kia Rio$1,334$56
12Mazda 2$1,348$70
13Chrysler Fiat 500$1,366$88
14Honda Civic$1,368$90
15Hyundai Veloster$1,378$100
16Toyota Corolla$1,390$112
17Nissan Leaf$1,396$118
18Hyundai Elantra$1,402$124
19Mazda 3$1,414$136
20Volkswagen Golf$1,428$150
21Honda CR-Z$1,432$154
2014 Small Car Average$1,433$155
22Kia Forte$1,440$162
23Ford Focus$1,456$178
24Toyota Prius$1,470$192
25Volkswagen GTI$1,492$214
26Volkswagen Beetle$1,502$224
27Subaru Impreza$1,504$226
28Scion FR-S$1,514$236
29Volkswagen Jetta$1,520$242
30Chevrolet Volt$1,532$254
31Chevrolet Cruze$1,646$368
32Honda Fit$1,656$378
33Volkswagen EOS$1,660$382
34Mitsubishi Lancer$1,710$432
35Dodge Dart$1,720$442
36Scion TC$1,726$448

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.

2014 Rio5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2014 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.

2014 Kia Rio5 Insurance Rates by Trim Level
2014 Kia Rio5 Trim Level Annual Premium Cost Per Month
LX Hatchback$1,212$101
EX Hatchback$1,310$109
SX Hatchback$1,310$109

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 2014 Kia Rio5 for different driver ages.

2014 Kia Rio5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$4,782$399
17$4,537$378
18$3,882$324
19$3,608$301
20$2,720$227
21$2,592$216
22$2,292$191
23$1,948$162
24$1,817$151
25$1,472$123
30$1,338$112
35$1,316$110
40$1,278$107
45$1,208$101
50$1,152$96
55$1,076$90
60$1,076$90
65$1,142$95
70$1,270$106
75$1,538$128
80$1,898$158

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.