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KIA RIO Car Insurance

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The Kia Rio is an economical and practical subcompact, valued for its low fuel consumption and affordable upkeep. Ideal for city driving, it appeals to drivers seeking a reliable, budget-friendly vehicle for everyday use.

KIA RIO CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the Kia Rio remain relatively stable, ranging between $1014 and $1092. After a slight rise through 2023, the premium dips in 2024 before climbing again in 2025 and settling around $1014 in 2026, without a marked long-term trend.

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

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

The highest Kia Rio premiums are found in Terrebonne ($1497), Montreal ($1296), and Saguenay ($1140), while Brossard ($614), Saint-Jean-sur-Richelieu ($857), and Laval ($880) show the lowest amounts. The gap between the most expensive and most affordable cities is considerable.

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
BROSSARD $613.78
DRUMMONDVILLE $918.09
GATINEAU $1083.25
LAVAL $907.24
LÉVIS $1118.02
LONGUEUIL $1044.31
MONTRÉAL $1309.70
QUÉBEC $1002.29
REPENTIGNY $1044.23
Saguenay $1367.68
SAINT-JEAN-SUR-RICHELIEU $857.34
SAINT-JÉRÔME $932.12
SHERBROOKE $1111.08
TERREBONNE $1497.24
TROIS-RIVIÈRES $1082.19

KIA RIO average premium by model year

Average premium paid by our clients for each model year, over the last 5 years. Select a year to see its detailed statistics.

Model year Average premium
KIA RIO 2023 $1589.90
KIA RIO 2022 $1541.69
KIA RIO 2021 $1453.92
KIA RIO 2020 $1228.20
KIA RIO 2019 $1195.87
KIA RIO 2018 $1203.46
KIA RIO 2017 $1126.13
KIA RIO 2016 $1003.70
KIA RIO 2015 $948.67
KIA RIO 2014 $861.49
KIA RIO 2013 $762.49
KIA RIO 2012 $749.98
KIA RIO 2011 $559.54
KIA RIO 2010 $499.26
KIA RIO 2009 $416.14
KIA RIO 2008 $355.90
KIA RIO 2007 $422.38
KIA RIO 2006 $312.99
KIA RIO 2005 $369.00
KIA RIO 2003 $438.75

Frequently asked questions (FAQ)

How much does it cost to insure a Kia Rio?
In 2026, the average premium for a Kia Rio is $1014. Over the 2021-2026 period, premiums ranged between $1014 and $1092, without a marked upward trend.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
Which city has the highest insurance cost for a Kia Rio?
Based on the data provided, Terrebonne shows the highest average premium for the Kia Rio at $1497, followed by Montreal at $1296.
Where is insuring a Kia Rio most affordable?
Brossard offers the lowest average premium at $614, followed by Saint-Jean-sur-Richelieu ($857) and Laval ($880).
Why do Kia Rio premiums vary so much between 2021 and 2026?
Fluctuations between $1014 and $1092 stem from factors like changing repair costs, claim frequency, and insurer adjustments, without a clear directional trend emerging.
What factors influence the insurance premium for a Kia Rio?
Driver profile, city of residence, vehicle usage, and claims history all influence the premium, explaining the large gaps observed between cities, such as $614 in Brossard versus $1497 in Terrebonne.
How can I lower the insurance cost of a Kia Rio?
Comparing quotes from several insurers, maintaining a clean driving record, and bundling insurance policies are effective ways to reduce the premium for this model.

Offers received by our customers on KIA RIO 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: 09/04/2026

Versions covered by this KIA RIO page

The premiums above cover every version of the KIA RIO, so that each average rests on enough quotes. Here are the versions this page includes.

Version Model years
RIO 4DR 2002
RIO ANNIVERSARY EDITION 4DR 2005
RIO EX 4DR 2006 - 2020
RIO EX 5DR 2020
RIO EX PREMIUM 5DR 2021 - 2023
RIO EX SPORT 4DR 2018 - 2019
RIO EX SPORT 5DR 2020
RIO EX TECH 4DR 2018 - 2019
RIO LS 4DR 2001 - 2005
RIO LX 4DR 2012 - 2022
RIO LX 5DR 2020
RIO LX PREMIUM 5DR 2021 - 2023
Show the 14 other versions

RIO LX+ 4DR (2018 - 2020), RIO LX+ 5DR (2020 - 2023), RIO RS 4DR (2001 - 2011), RIO RX-V 5DR (2004 - 2005), RIO RX-V SPORT 5DR (2002 - 2005), RIO S 4DR (2001 - 2005), RIO SX 4DR (2012 - 2017), RIO TUNER EDITION 4DR (2004), RIO5 EX 5DR (2006 - 2019), RIO5 EX SPORT 5DR (2018 - 2019), RIO5 EX TECH 5DR (2018 - 2019), RIO5 LX 5DR (2011 - 2019), RIO5 LX+ 5DR (2018 - 2019), RIO5 SX 5DR (2008 - 2017)


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