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.

U.S. average insurance rates for a Kia Forte are $1,046 a year with full coverage. Comprehensive insurance costs approximately $182, collision costs $228, and liability costs around $478. A policy with just liability insurance costs as low as $526 a year, with coverage for high-risk drivers costing $2,248 or more. Teens pay the highest rates at $4,176 a year or more.

Average premium for full coverage: $1,046

Price estimates by individual coverage:

Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Forte trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices using their specific location, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $634
• Using higher $1,000 deductibles will save $94 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,046
• Selecting more expensive low deductibles for physical damage coverage will cost an additional $178 annually
• High-risk insureds with serious driving violations could pay around $2,248 or more
• The price that insures a 16-year-old driver with full coverage can cost $4,176 or more

View Chart as Image

Insurance prices for a Kia Forte are also quite variable based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,200 to $1,800 extra each year, depending on your age. High-risk driver insurance can be from 43% to 128% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,000 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,100 a year. View Rates by Age

The state you live in has a huge impact on Kia Forte insurance prices. A driver around age 40 might see prices as low as $760 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,420 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $280 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices from multiple companies. Each insurance company calculates prices differently, so the prices may be quite different.

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 Find the Right Kia Forte Insurance

Getting lower rates on insurance for a Kia Forte requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates every couple of years by obtaining price quotes from direct companies, and also from local insurance agencies.

The items below are a quick rundown of the material that was covered in the above illustrations.

• Insureds who purchase more liability coverage will pay approximately $530 every year to increase from a low limit to the 250/500 level
• Teen drivers are expensive to insure, costing up to $348 a month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,200 more per year to insure their Forte
• Increasing physical damage deductibles can save approximately $275 each year

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