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 auto insurance rates for a Kia Forte are $1,046 annually with full coverage. Comprehensive costs approximately $182 each year, collision costs $228, and liability is estimated at $478. Liability-only insurance costs approximately $526 a year, with high-risk driver insurance costing around $2,248. Teenage drivers pay the most at $4,176 a year or more.

Average premium for full coverage: $1,046

Premium estimates by type of coverage:

Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Forte models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Rural locations are statistically proven to have fewer collision claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance prices.

These rate differences demonstrate why all drivers should get quotes using their specific location and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

The chart below details estimated Kia Forte insurance rates for additional coverage and risk scenarios.

• The best discount rate is $634
• Choosing higher $1,000 deductibles can save $94 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,046
• Using low deductibles for comp and collision coverage will cost $1,224
• Unlucky drivers who are prone to accidents and violations could pay around $2,248 or more
• An auto insurance policy with full coverage for a teen driver can cost $4,176 each year

View Chart as Image

Insurance prices for a Kia Forte also have a wide range based on the model of your Forte, your driving record, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,200 to $1,800 additional annually, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $280 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Kia Forte insurance prices. A good driver about age 40 could pay as low as $760 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,420 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer uses a different method to calculate prices, and prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2012 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 Buy Affordable Kia Forte Insurance

Finding better rates on car insurance takes being a safe and courteous driver, having good credit, being claim-free, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

Below is a brief review of the ideas that were touched on above.

• Teenage drivers are the costliest to insure, possibly costing $348 per month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,200 more per year for auto insurance
• Increasing policy deductibles could save up to $275 each year
• You may be able to save around $120 per year simply by quoting online in advance

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.

Kia Forte Crash Test Ratings

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.

Kia Forte Insurance Loss Probability

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