The Kia Rio is a sedan and hatchback that has been produced by the South Korean that has been produced since 1999. In this guide, you’ll discover the key facts about insuring a Kia Rio.
Kia Rio car models fall within car insurance groups 2-10, which means the cost of your premiums can vary quite a bit. However, you might find the cost of your insurance to be much cheaper in comparison to other car makes and models which fit into a higher insurance group rating. For example, a 30-year-old driver in an average postcode could pay around £553 for cover on a Kia Rio 2 1.4 CRDi 76bhp ISG 5d, or around £640 for a Kia Rio GT-Line S 1.0 T-GDi 118bhp ISG 5d.
Looking at the table below, you can find out the insurance group of your Kia Rio model, and how much you’re likely to pay for your car insurance.
Kia Rio insurance groups and average cost by driver’s age
These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).
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To give you a guideline on how much it would cost to insure your Kia Rio, we ran several quotes in order to find out an average figure. Our results estimated that you could, on average, insure your Kia Rio with comprehensive cover for monthly payments of £61.25 or an annual sum of £675.36
To generate these figures we used the following information:
The vehicle is a 2018 model
Manual transmission
Petrol
1.2l engine
Factory fitted alarm system
Not modified
Used for social, domestic and commuting purposes
10,000 mileage per year
The car is parked in a work car park during the day
The car is parked on a driveway at night
Driver is a 30-year-old teacher from London
Driver is a homeowner
£250 voluntary excess
Driving licence held for 10 years
Five years no claims discount
Driver has not had any driving or other convictions in the last 5 years
Kia Rio insurance cost by location
There’s a number of factors that affect the cost of your insurance premium, including your job and marital status. Where you live, how busy your location is and the likelihood of theft, also play a big factor in determining the cost of your insurance.
To show the impact of location in your insurance rates, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Kia Rio 2 1.0 T-GDi 99bhp ISG 5d.
Expensive: £900 (London SE1)
Average: £562 (Newcastle NE1)
Cheap: £571 (Galashiels TD1)
These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).
Along with your car’s insurance group, these three factors have the biggest impact on the cost of your insurance:
Engine type and capacity. The bigger your engine, the more you’re likely to pay for insurance. For example, an average 30-year-old may pay £564 for the 1.25-litre Kia Rio 2 1.25 83bhp ISG 5d, but could pay around £498 for the 1.4-litre Kia Rio 2 1.4 98bhp ISG 5d.
Driver location. Insurers factor in the likelihood that your car will be stolen or involved in an accident when calculating your insurance, and your location has a big impact on this. As an example, a 30-year-old in central London will pay £935 for insurance for a Kia Rio GT-Line 1.0 T-GDi 118bhp DCT auto ISG 5d, while the same 30-year-old in Newcastle may only pay £537.
Driver age. Like location, the age of the driver plays a huge role in determining the cost of your insurance premium. The average 20-year-old driver in London could pay £2,322 for the Kia Rio 1 1.25 83bhp ISG 5d, while the average 40-year-old Londoner will only pay £779.
However, there are many other factors that can also impact the price of your premiums. These include:
Your marital status
Your credit history and job
Your car’s safety rating, security and anti-theft precautions
Depending on your individual circumstances, car insurance can be an expensive requirement. If you add this to additional costs such as car tax, petrol, MOTs, servicing and maintenance, it can cost a lot to be on the road.
Thankfully, there are a few things you can do to reduce your car insurance premium for your Kia Rio, and we’ve listed them below:
Avoid any driving convictions. It may sound obvious, but having convictions on your record will make your premium more expensive.
Limit your car usage where possible. You could save money on your insurance by being more sparing with your car usage. Opting for public transport or walking when you can will help keep your mileage, and premiums, lower.
Pay annually rather than monthly. By paying annually, you could save £59.64 on average a year!
Install extra safety precautions. The safer you make your car, the better your premium will be. By investing in extra safety features, your vehicle will be more secure and less of a risk to insure.
Don’t just accept your renewal quote. When it’s time for renewal, make sure you shop around – you’ll be surprised at how much you could save by assessing your options.
Kia Rio facts and trivia
The Kia Rio was first produced in 1999 and is still being manufactured today.
The vehicle was awarded the 2017 Red Dot Award for Passenger Car Design.
To market the international release of this car, Kia produced two music videos featuring American musician Lee Radde and Korean-American singer Kate Kimand.
Bottom line
Kia Rios are a popular vehicle and with most falling into an insurance group from 4 – 10, you should be able to find a good level of comprehensive cover without breaking the bank.
However, don’t forget that there are other factors that can affect your insurance premiums such as your age, your location, your driving history and the insurer you select.
If you’re wondering which insurers to select, check out our rundown of the 10 best car insurance companies.
Frequently asked questions
In the United Kingdom, the price of a new Kia Rio starts from £12,135.
Depending on the model version, Kia Rios can reach top speeds between 102mph and 118mph.
The Kia Rio was awarded three stars out of five under the Euro NCAP safety analysis. Although the Kia Rio scored well for adult occupant safety (85%) and child occupant safety (84%), it did score low for safety assistance measures (25%).
The UK standard car tax rate sites at £145 per year. However, you might pay more or less depending on your car’s emissions.
You can buy a Kia Rio online or by visiting your local Kia retailer. There is also a range of used Kia Rios available to buy through various motor resellers and websites such as AutoTrader or Motors.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio
Danny's expertise
Danny has written 347 Finder guides across topics including:
Read our comprehensive guide and find out how much it may cost you to insure a Kia Sportage and how to save on your car insurance premiums.
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