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Kia Rio Insurance Cost

There are many options when shopping for car insurance for your Kia vehicle. You can get prices from an agent or shop online to compare rates from many different auto insurance companies. Shopping for auto insurance through online rate quotes is easy and there is a good chance you can save money.

Consumers not familiar with shopping for insurance may think buying affordable Rio insurance is going to be difficult. Lowering your Rio insurance rates can be surprisingly simple. You just need to take a few minutes getting comparison quotes from different insurance companies. This is very easy and can be done by comparing rates here.

FREE Car Insurance Comparison

Car insurance premiums paid to insure a Kia Rio will vary greatly based upon several criteria. Some of these factors include:

  • The performance level of your Rio
  • Your accident history
  • Whether you insure your home with the same company
  • How you use your vehicle
  • Mature drivers pay less
  • Whether you are married
  • Extra coverages like towing and rental
  • Your claim history
  • No coverage lapses saves money
  • Whether you own your home

An additional factor that will help determine Rio insurance cost is the year of the vehicle. Newer models have a higher replacement value than older models so repair costs are higher which will push premiums up. Conversely, new Kia models may have safety features such as adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance so those may lower rates.

To get a better idea how much rates will be for your vehicle, select the year of your Rio below.

Auto liability

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP is not universally available and gives slightly broader coverage than med pay.

How Much are Kia Rio Insurance Rates?