Kia Forte Insurance Rates

One of the frequently asked coverage questions is how much does it cost to insure a Kia Forte? Average Kia Forte car insurance rates are $1,352 a year, or $112 a month.

Read on to learn how to save on the cost of Kia Forte insurance rates, whether it is 2019 Kia Forte insurance costs or 2020 Kia Forte SX costs. By the end, you’ll know how to secure cheap car insurance rates for your Kia Forte or affordable Kia Forte Koup car insurance costs.

When searching for an affordable Kia Forte car insurance company, always compare quotes from multiple insurers near you.

Can’t wait to start comparing cheap Kia Forte car insurance rates? Just enter your five-digit ZIP code into our FREE comparison tool above to see how much a Kia Forte policy costs in your area.

Estimated insurance rates for a Kia Forte are $1,230 a year for full coverage insurance. Comprehensive costs on average $240 each year, collision costs $376, and liability costs around $456. A policy with only liability insurance costs as low as $508 a year, with a high-risk policy costing around $2,654. 16-year-old drivers pay the most at $4,736 a year or more.

Average premium for full coverage: $1,230

Premium estimates by type of coverage:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Forte models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how location impacts car insurance rates.

These rate differences illustrate why all drivers should compare prices based on a specific location, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below illustrates estimated Kia Forte insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $724
• Using higher $1,000 deductibles will save around $140 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,230
• Buying low deductibles for physical damage coverage bumps up the cost to $1,500
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,654 or more
• An auto insurance policy that insures a 16-year-old driver may cost $4,736 or more

View Chart as Image

Car insurance prices for a Kia Forte also have a wide range based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can be from 42% to 136% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,700 a year. View Rates by Age

Where you choose to live has a huge impact on Kia Forte insurance prices. A driver around age 40 might see prices as low as $810 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,660 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $410 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Right Kia Forte Insurance

Finding better rates on insurance for a Kia Forte requires being safe and accident-free, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop at least once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the primary concepts that were touched on above.

• It is possible to save as much as $140 per year simply by quoting online in advance
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,420 more each year than a low-risk driver
• Increasing policy deductibles can save approximately $400 each year
• Youthful drivers are expensive to insure, with premiums being up to $395 per month if full coverage is purchased

Now you know more about the price for a Kia Forte and why the cost of a Kia Forte varies when you try to purchase an insurance policy.

Still wondering why are Kias so expensive to insure? The average cost to insure a teenage driver or a driver with a poor driving record will be much higher than the average Kia Forte cost. The best way to cut back on high insurance prices for a Kia Forte is to shop around for multiple Kia Forte car insurance quotes.

Remember, the age and trim level of your vehicle also impacts your rates. The 2012 Kia Forte 5 door price for insurance is going to be lower than the cost to insure the 2020 Kia Forte SX or the price of a 2018 Kia Forte insurance rates.

Therefore, shopping for insurance can also help you to decide what model or trim level you want, such as comparing 2016 Kia Forte insurance costs with 2012 Kia Forte costs or comparing 2013 Kia Forte trim levels with 2015 Kia Forte trim levels.

To jump into finding out how much is insurance for a Kia Forte in your area, use our free tool below to shop for the best Kia Forte price.

What are the safety ratings of the Kia Forte?

We’ve answered your questions about how much is a Kia Forte to insure, but how are the safety ratings for this car?

Good Kia Forte safety ratings and features can lead to a lower insurance price for a Kia Forte. The Kia Forte’s safety features include multiple airbags, brake assist, traction control, lane departure warning, and lane-keeping assist.

The Kia Forte also has a 2020 Top Safety Pick award from the Insurance Institute for Highway Safety (IIHS). Take a look at the ratings the IIHS gave the Kia Forte for various crash tests.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

The video below shows one of the IIHS’s crash tests.

Keep in mind that crash test ratings can vary by model year, so 2014 Kia Forte insurance rates may be different than the insurance price of a Kia Forte from 2018.

In the table below, check to the Kia Forte crash test ratings as performed by the National Highway Traffic Safety Administration.

A 5-star rating is the highest possible score given by the National Highway Overall, the Kia Forte never received a score lower than 4-stars.

Kia Forte Compared Against Other Vehicles in the Same Class

How much does a Kia Forte cost to insure with liability insurance? It partially depends on the Kia Forte’s liability losses. The IIHS lists the Kia Forte as a small car and compared to other small cars, the Kia Forte’s liability losses are substantially worse than average.

See some of the Kia Forte insurance loss probability details in the table below.

The higher the number, the worse the insurance loss ratio. Unfortunately, the Kia Forte is worse than average or substantially worse than average in almost every category.

This isn’t great news, as it means liability insurance for the Kia Forte will likely be more expensive than insurance for other small cars in the same class. To see how much are Kia Forte rates in comparison to other small cars’ rates, view the list below.

• Acura ILX
• Chevrolet Bolt
• Chevrolet Cruze

Now that you’re ready to see how much is the Kia Forte to insure in your area, just enter your ZIP code in our FREE online quote tool.

References

1. https://www.iihs.org/ratings/vehicle/kia/forte-4-door-sedan/2020