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KIA RIO 2021 Car Insurance

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The 2021 Kia Rio is an economical subcompact city car valued for its low fuel consumption and affordable upkeep. Ideal for urban driving, it appeals to drivers seeking a reliable, practical, and inexpensive vehicle to own.

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

Between 2021 and 2026, the average premium for the 2021 Kia Rio fluctuates before rising sharply, moving from $1149 to a peak of $1680 in 2025, then easing slightly to $1555 in 2026. The overall trend over the period remains upward.

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?

Premiums are highest in Montreal ($2044), Trois-Rivières ($1971), and Quebec City ($1575), while Drummondville ($611) and Lévis ($821) show the most affordable amounts. Differences between cities are especially pronounced for this model.

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 $1159.39
LÉVIS $821.15
MONTRÉAL $2044.48
QUÉBEC $1574.74
Saguenay $876.03
SAINT-JEAN-SUR-RICHELIEU $801.15
SAINT-JÉRÔME $1349.64
SHERBROOKE $1417.46
TERREBONNE $938.49
TROIS-RIVIÈRES $1970.62

Frequently asked questions (FAQ)

How much does insurance cost for a 2021 Kia Rio?
The average premium for a 2021 Kia Rio reached $1680 in 2025, easing slightly to $1555 in 2026, based on the available data for this model.
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.
Has the 2021 Kia Rio's premium increased significantly?
Yes. Between 2021 and 2025, the average premium rose from $1149 to $1680, then eased to $1555 in 2026, showing an overall upward trend over the period.
Which city offers the lowest insurance cost for a 2021 Kia Rio?
Based on the data provided, Drummondville ($611) and Lévis ($821) show the lowest average premiums for this model, compared to Montreal ($2044).
Why does the premium vary so much between cities?
Traffic density, claim frequency, and vehicle theft rates differ by region, explaining the large gap between Montreal ($2044) and Drummondville ($611).
Is the Kia Rio generally cheaper to insure than a larger sedan?
Often yes. Its subcompact status, low parts cost, and modest power tend to keep premiums lower compared to bigger or more powerful vehicles.
How can I lower my premium for a 2021 Kia Rio?
Comparing quotes from several insurers, maintaining a clean driving record, and bundling insurance policies are effective ways to reduce the cost.

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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: 09/04/2026

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