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KIA RIO 2021 Car Insurance

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The 2021 Kia Rio is an affordable, fuel-efficient subcompact designed for daily urban driving. Its compact size, low fuel consumption, and inexpensive maintenance make it a practical choice for drivers seeking simplicity and efficiency.

KIA RIO 2021 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the 2021 Kia Rio fluctuate, moving from $1204 to $1196, then $1179, before climbing to $1306, $1680, and $1534. After a slight early decline, a marked increase occurs in 2025, followed by a small pullback in 2026.

To find the best insurance for your KIA RIO 2021 vehicle, it is more important than ever to compare the available options.

How much does insurance for your KIA RIO 2021 cost in Quebec?

The highest premiums for the 2021 Kia Rio are found in Montréal ($2300) and Québec City ($2082), while Saint-Jean-sur-Richelieu ($801), Saguenay ($876), and Terrebonne ($938) show the lowest amounts. The gap between the priciest and most affordable cities exceeds $1500.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City Average price over the last 12 months
DRUMMONDVILLE $611.49
GATINEAU $1483.86
LAVAL $1057.3
LÉVIS $1413.42
MONTRÉAL $2296.82
QUÉBEC $1666.58
Saguenay $876.03
SAINT-JEAN-SUR-RICHELIEU $801.15
SAINT-JÉRÔME $1349.64
SHERBROOKE $1517.02
TERREBONNE $938.49

Frequently asked questions (FAQ)

How much does insurance cost for a 2021 Kia Rio?
The average premium for a 2021 Kia Rio was $1204 in 2021 and reached $1534 in 2026, with a peak of $1680 in 2025.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.
Why did the 2021 Kia Rio's premium increase in 2025?
After relative stability between 2021 and 2023, the premium jumped to $1680 in 2025, likely due to overall increases in repair and parts replacement costs.
Which city offers the lowest insurance cost for a 2021 Kia Rio?
Based on the data provided, Saint-Jean-sur-Richelieu ($801) and Saguenay ($876) post the lowest average premiums for this model.
Why is Montreal's premium so much higher than Terrebonne's?
Montreal ($2300) has higher urban density and claim volume compared to Terrebonne ($938), which explains this significant gap for the same vehicle.
What factors influence the premium for a 2021 Kia Rio?
Location, driver age, claims history, and vehicle usage are the main factors causing variation around the average premium observed.
How can I reduce the insurance cost for a 2021 Kia Rio?
Comparing quotes from several insurers and bundling auto and home insurance are effective ways to lower the premium for this model.

Offers received by our customers on KIA RIO 2021 cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 07/09/2026