Kia Rio5 Insurance Costs Revealed: 2025 Rate Guide

How much does Kia Rio5 car insurance cost? We compared rates from the base Rio5 LX Hatchback up to the more appointed SX Hatchback model to see how prices rank against all other small cars.

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  • Kia Rio5 insurance costs an average of $1,722 per year, or around $144 per month, depending on the trim level.
  • Out of 23 vehicles in the small car segment, the Rio5 ranks second for insurance affordability.

How much does Kia Rio5 insurance cost?

Kia Rio5 car insurance rates average $1,722 per year for full coverage. Depending on the trim level being insured, monthly car insurance for a 2021 Kia Rio5 costs about $144.

When broken down to individual coverages, collision coverage will cost approximately $542 a year, comprehensive is an estimated $364, and the remaining liability/medical (or PIP) coverage will cost around $816.

The chart below shows how car insurance rates for a 2021 Kia Rio5 can change with different ages of driver and coverage deductibles.

Average 2021 Kia Rio5 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2021 Kia Rio5 car insurance premiums for different driver ages and policy deductibles. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on a 2021 model year Kia Rio5. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2021 Kia Rio5 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$3,068$256
$500$3,460$288
$250$3,874$323
30-Year-Old$1,000$1,594$133
$500$1,818$152
$250$2,052$171
40-Year-Old$1,000$1,518$127
$500$1,722$144
$250$1,938$162
50-Year-Old$1,000$1,368$114
$500$1,548$129
$250$1,734$145
60-Year-Old$1,000$1,282$107
$500$1,448$121
$250$1,620$135

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2021 Kia Rio5. Updated June 26, 2025

The rate table below illustrates average Kia Rio5 insurance rates for the 2013 to 2021 model years.

Kia Rio5 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2021 Kia Rio5$3,460$1,722$1,448
2017 Kia Rio5$3,214$1,602$1,348
2015 Kia Rio5$2,672$1,340$1,128
2014 Kia Rio5$2,552$1,278$1,076
2013 Kia Rio5$2,478$1,242$1,048

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. Updated June 26, 2025

Average insurance rates for 2013 to 2021 Kia Rio5 models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2021 Kia Rio5 models for drivers age 20, 40 and 60

How well do Kia Rio5 insurance rates rank?

The Kia Rio5 ranks second out of 23 total vehicles in the 2021 small car category for most affordable auto insurance rates. The Rio5 costs an average of $1,722 per year for a car insurance policy with full coverage, while the category average policy cost is $2,056 per year, a difference of $334 per year.

When rates are compared to other small cars, car insurance prices for a Kia Rio5 cost $196 less per year than the Honda Civic, $14 less than the Toyota Corolla, and $150 less than the Nissan Sentra.

The next table shows how average Kia Rio5 car insurance rates compare to all other 2021 model year compact cars in the U.S. like the Hyundai Elantra, Volkswagen Jetta, and the Kia Forte.

Insurance Cost Comparison: Kia Rio5 vs Small Cars
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
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 vehicle from the 2021 model year. Updated June 27, 2025

At $1,722 per year, insurance cost for a 2021 Kia Rio5 ranks second out of 23 models in the small car segment
At $1,722 per year, insurance cost for a 2021 Kia Rio5 ranks second out of 23 models in the small car segment