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.

Average auto insurance rates for a Kia Forte are $1,070 annually for full coverage insurance. Comprehensive insurance costs around $186, collision costs $252, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing $2,304 or more. Teen drivers receive the highest rates at $4,256 a year or more.

Average premium for full coverage: $1,070

Rate estimates for individual coverage type:

Estimates include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different Forte trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below illustrates estimated Kia Forte insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $644
• Choosing higher $1,000 deductibles can save about $100 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,070
• Choosing more expensive low deductibles for comp and collision coverage costs an additional $192 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,304 or more
• The cost with full coverage for a 16-year-old driver with full coverage can be $4,256 each year

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Insurance rates for a Kia Forte can also vary considerably based on the trim level of your Forte, your risk profile, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,000 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,300 to $1,800 additional per year, depending on your age. High-risk driver insurance ranges from 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $300 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Kia Forte insurance prices. A good driver about age 40 could pay as low as $700 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,450 on average in Michigan, New York, and Florida.

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With so much variability in rates, the only way to figure out your exact price is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, and rates can be significantly 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 Low Cost Kia Forte Insurance

Saving money on insurance for a Kia Forte takes being a good driver, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every couple of years by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following list is a review of the material that was covered above.

• Insureds who may need an increased level of liability coverage will pay about $520 annually to raise limits from a minimum limit to higher 250/500 limits
• Drivers age 16 to 20 are charged the highest rates, costing up to $355 per month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations pay on average $1,230 more every year than a safer driver
• Increasing deductibles could save up to $300 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