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Car Insurance Quotes for a Kia Rio

Are You Getting the Cheapest Car Insurance Available for a Kia Rio?

Ilustration of Kia-Rio

How Much Is Car Insurance for a Kia Rio?

The average monthly premium for a Kia Rio auto policy is $176 for full and $84 for minimum coverage.

If you want to be adequately protected in an accident, we highly recommend purchasing full coverage, which includes liability, collision, and comprehensive.

If you need guidance on setting up your policy, let Freeway Insurance show you the way. One of our friendly agents will be more than glad to review your options for cheap car insurance.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for a Kia Rio to Other Vehicles

Kia Rio drivers should expect to pay a different premium than drivers of competing makes and models for many reasons, including but not limited to safety record, recall record, theft rate, number of safety features, body style, and engine size.

Make/Model Annual Full Coverage Insurance
Kia Rio $2,112
Chevrolet Cruze $1,642
Honda Civic $1,733
Toyota Corolla $1,695
Honda Accord $1,832

Types of Car Insurance Coverage for a Kia Subcompact Sedan

Kia Rio drivers may be interested in several insurance options, including state minimum liability and full coverage policies.

Both policies fulfill legal requirements for anyone to operate a motor vehicle. Failure to have an active insurance policy when pulled over at a traffic stop will likely result in a suspended driver’s license/registration, court fees, administrative costs, and plenty of aggravation.

Full Coverage

One of the best things Kia Rio drivers can do is seek a policy with full coverage over liability only.

Full coverage offers a broader scope of protections, providing third and first-party benefits. For starters, it includes both collision and comprehensive insurance, which protects against crash and non-crash-related scenarios like theft, hail, and falling objects.

Plus, your leasing or financing company may require that you carry full coverage.

If you want to save on full coverage, try enrolling in one of the many discount programs offered by your provider. As long as you’re eligible, dozens of discounts like defensive driving, good driver, safety feature and anti-theft device are available for the taking.

State Minimum Liability

If you want to drive legally in your state, you must have an active auto insurance policy. Liability-only is the minimum amount of auto insurance coverage that every state requires to operate a vehicle. It ensures that you can pay all or a portion of medical expenses, legal fees, or the repair or replacement cost of vehicles and property when you are at fault in an accident.

Every state has minimum limits. For example, Georgia drivers must carry a minimum of $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $ 25,000 in property damage.

Naturally, these are very low limits. Even a simple fender bender or fence hit can eclipse your state’s property damage liability limits, so we encourage you to opt for higher limits whenever possible.

Individual Factors That Influence Pricing for the Rio

Many factors go into determining the price of your premiums, including your age/gender, vehicle, and selected coverage.

Age and Gender

Younger drivers are more likely to be involved in an accident than older drivers. They have a higher propensity for speeding, distracted driving, and other poor driving habits, which result in higher accident rates. One of the best ways younger drivers can enjoy lower premiums is by choosing higher deductibles, lower liability limits, and enrolling in discount programs if available.

Vehicle Make and Model

As for your vehicle, its make and model have much to do with your premiums. Some vehicles cost a lot more to repair than others. Those with better safety records, lower theft rates, lower depreciation rates, and similar metrics are more likely to see lower premiums.

Selected Coverage

Higher deductibles usually lead to lower premiums, albeit at higher out-of-pocket costs. Higher liability limits offer improved protection and greater peace of mind, although it costs more in your premium. The trick is to find an excellent balance of adequate coverage and affordability.

2023: Kia Rio display at a dealership – cheap car insurance for Kia Rio

How Does a DUI Affect Insurance Rates?

Unfortunately, being convicted of a DUI is one of the worst things that can happen to a Kia Rio driver’s policy.

For starters, expect an immediate premium increase, even triple your current rate. In addition, you now see a high-risk driver designation where your insurer may reject or deny your policy outright, forcing you to seek coverage from high-risk providers at exorbitant rates. You may need to find a company with cheap DUI insurance solutions.

Another requirement for many DUI convicted drivers is filing an SR-22, a certificate of financial responsibility that lets your state’s Department of Motor Vehicles know you have the required liability insurance coverage. With this, expect to pay higher premiums for at least three years. Assuming a clean driving record, premiums slowly decrease over time.

As for long-term impact, DUI convictions stay on your record for several years. Unfortunately, you cannot do much to lower premiums outside of reworking selected coverage limits and deductibles.

Thanks to elevated rates, you may decide to stick with a liability-only policy. Full coverage offers much better protection by adding collision and comprehensive coverage.

What Are Some Car Insurance Discounts for a Rio?

Kia Rio drivers can take advantage of all types of discounts.

You should consider multi-policy and good driver discounts, assuming you are eligible.

Multi-policy discounts are awarded to any policyholder who purchases two or more policies under one provider, such as auto and home insurance. Not all insurance types qualify, although it’s a safe bet that bundling home and auto insurance does.

Good driver discounts are awarded to drivers with a clean driving record for three to five years. You are an excellent candidate if you have no claims, at-fault accidents, or other driving activity that insurers deem high-risk.

Other discounts that you may want to look at:

  • Safety Feature Discount. Installing anti-lock brakes, daytime running lights, and other safety-themed features in your vehicle can produce cost savings now that you’re perceived as a lower risk for future claims.
  • Low Mileage Discount. If you drive anywhere between 7,500 and 10,000 miles a year, then you might qualify for a low mileage discount. Exact savings percentages can be awarded on a tiered basis (e.g., reduced discounts at 10,000, 12,000, and 15,000 miles). Policies depend on the provider.
  • AutoPay/Paperless Billing Discount. You may qualify for this discount if you pay your annual premium upfront or agree to accept electronic communications instead of paper mail. On top of that, automatic payments ensure that you do not miss one (assuming your bank account holds a balance enough to cover it), reducing any risk in insuring you.
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What Are Some of the Characteristics of the Kia Rio?

This is a vehicle in the subcompact sedan segment.

It comes in two trims, LX and S, along with a single 120-horsepower 1.6-liter four-cylinder engine with front-wheel drive and continuously variable automatic transmission (CVT).

Standard features on the LX include an 8-inch touch screen, Apple CarPlay/Android Auto compatibility, Bluetooth, a six-speaker sound system, and a USB port. Upgrading to the S gives you more USB ports, keyless entry, 15 alloy wheels, folding rear seats, and optional safety features like lane departure warning, driver attention monitoring, and forward collision warning.

Main competitors are the Chevrolet Cruze, Honda Civic, Toyota Corolla, and Honda Accord.

Find the Best Car Insurance Rates Online for the Kia Rio Today

If you’re in the market for a new auto insurance policy, then Freeway Insurance is ready to help you.

Get started with Freeway Insurance in one of three ways. Feel free to call (800) 777-5620 request a quote online, or visit one of our locations to speak with a consultant who can advise you on your policy options. We look forward to connecting with you today!

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