Kia Rio Insurance Rate Quotes in San Francisco

Insurance for Kia RioThe most effective way to get more affordable Kia Rio insurance is to start comparing prices regularly from insurance carriers that sell auto insurance in San Francisco. You can compare rates by completing these steps.

A crucial key to this process is to compare the same physical damage deductibles and liability limits on every price quote and to quote with as many companies as possible. This helps ensure an accurate price comparison and the best price selection.

It’s a known fact that insurance companies want to keep you from comparing rates. Consumers who shop around for better prices will presumably switch companies because there is a high probability of finding a more affordable policy premium. A recent auto insurance study discovered that drivers who compared prices once a year saved over $850 each year compared to drivers who never shopped around for lower prices.

If finding low prices for Kia Rio insurance in San Francisco is your objective, then knowing how to quote prices and compare coverage rates can help make the process easier and more efficient.

Analysis of coverages

The coverage table shown next showcases different coverage costs for Kia Rio models. Understanding more about how insurance prices are figured helps drivers make smart choices when buying a policy.


Kia Rio Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $258 $584 $480 $28 $144 $1,494 $125
Rio LX $258 $584 $480 $28 $144 $1,494 $125
Rio SX $296 $688 $480 $28 $144 $1,636 $136
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in your specific San Francisco location which can change coverage prices noticeably.

Policy deductible comparison

When comparing auto insurance rates, the most common question is which deductibles should you choose. The data tables below sum up the cost difference when you select higher and lower policy deductibles. The first rate table uses a $100 deductible and the second pricing table uses a $500 deductible.


Kia Rio insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $332 $686 $500 $30 $150 $1,723 $144
Rio LX $332 $686 $500 $30 $150 $1,723 $144
Rio SX $380 $810 $500 $30 $150 $1,895 $158
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Kia Rio insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $242 $464 $500 $30 $150 $1,386 $116
Rio LX $242 $464 $500 $30 $150 $1,386 $116
Rio SX $278 $546 $500 $30 $150 $1,504 $125
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in specific San Francisco garaging location which can revise price quotes considerably.

Based on the figures above, using a $100 deductible costs about $30 more each month or $360 a year than choosing the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average at least 13 months between claim filings, you would save money if you opt for a higher deductible.

Comparison of auto insurance rates by age and gender

The chart below illustrates the comparison of Kia Rio insurance premiums for male and female drivers. The rates are based on no violations or accidents, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.

Rate comparison of full coverage and liability-only

The example below illustrates the comparison of Kia Rio premium costs when comparing full coverage to liability only. The price estimates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

When to switch to liability coverage only

There is no exact rule to stop paying for full coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Kia Rio settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after paying your deductible. If you are paying over $700 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some situations where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Smart Consumers Save Money

Lots of things are part of the equation when you get a price on insurance. Some are obvious like an MVR report, but some are less obvious such as your marital status and annual miles driven.

The factors shown below are a few of the “ingredients” utilized by car insurance companies to help set your rates.

One last thing about your coverage

Budget-conscious Kia Rio insurance is attainable on the web and also from your neighborhood San Francisco agents, so you need to shop San Francisco auto insurance with both in order to have the best chance of saving money. Some insurance providers don’t offer internet price quotes and these regional insurance providers provide coverage only through local independent agents.

Throughout this article, we presented some good ideas how to get a better price on Kia Rio insurance in San Francisco. It’s most important to understand that the more companies you get car insurance rates for, the better your comparison will be. You may even find the lowest rates are with some of the lesser-known companies. Regional companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

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