Kia Forte SX 4-Dr Sedan Insurance Rates

Estimated insurance prices for a Kia Forte SX 4-Dr Sedan are $1,370 every 12 months for full coverage. Comprehensive costs approximately $340, collision insurance costs $508, and liability coverage costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs around $2,926. Teenage drivers pay the most at up to $4,970 a year.

Annual premium for full coverage: $1,370

Premium estimates by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Kia Forte Trim Level

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance prices.

These rate differences show why everyone should compare rates using their specific location and their own driving history, rather than using average rates.

Use the form below to get rates for your location.

Insurance rates for a Kia Forte SX 4-Dr Sedan also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the replacement cost of your Forte.

Using high physical damage deductibles could save up to $570 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 extra annually, depending on your age. Kia Forte SX 4-Dr Sedan insurance for high-risk drivers can cost around 44% to 131% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Kia Forte SX 4-Dr Sedan insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

With such a large range of rates, the only way to know which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, so the rates will be substantially different.

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Chart shows Kia Forte SX 4-Dr Sedan insurance rates for various coverage choices and risks. The cheapest rate with discounts is $800. Drivers who use higher $1,000 deductibles will pay $1,176. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,370. Selecting more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $1,740. Drivers with multiple violations and accidents could be charged up to $2,926. The rate for full coverage insurance for a teenager is $4,970.

View Chart as Image