Kia Forte Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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 insurance prices for a Kia Forte are $1,230 every 12 months for full coverage. Comprehensive costs approximately $240 a year, collision insurance costs $376, and liability costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs around $2,654. Teenage drivers receive the highest rates at up to $4,736 a year.

Average premium for full coverage: $1,230

Rate estimates by individual coverage type:

Comprehensive $240
Collision $376
Liability $456

Estimates include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Forte trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from the cheapest price of $508 for liability-only coverage to a high of $2,654 for high-risk insurance.

Liability Only $508
Full Coverage $1,230
High Risk $2,654

Price Range by Location

Your location can make a big difference on car insurance rates. Rural locations tend to have more infrequent accident claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.

Rural Areas $923
Small Cities $1,292
Large Cities $1,661

These examples show why it is important to compare rates using their specific location and their own driving history, instead of making a decision based on average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

The chart below shows average Kia Forte insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $724
  • Drivers who choose higher $1,000 deductibles will pay $1,090 a year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,230
  • Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,500
  • Drivers who are prone to accidents and violations could pay around $2,654
  • The cost to insure a 16-year-old driver can cost $4,736 a year

View Chart as Image

Kia Forte insurance cost comparison chart
Column chart showing Kia Forte insurance rates range from $724 to $4,736 for full coverage

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

Using high physical damage deductibles could save up to $410 annually, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can cost from 42% to 136% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Kia Forte insurance prices. A 40-year-old driver could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,760 on average in New York, Louisiana, and Michigan.

Kia Forte Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,112 -$118 -9.6%
Alaska $944 -$286 -23.3%
Arizona $1,020 -$210 -17.1%
Arkansas $1,230 -$0 0.0%
California $1,402 $172 14.0%
Colorado $1,176 -$54 -4.4%
Connecticut $1,264 $34 2.8%
Delaware $1,392 $162 13.2%
Florida $1,540 $310 25.2%
Georgia $1,136 -$94 -7.6%
Hawaii $884 -$346 -28.1%
Idaho $830 -$400 -32.5%
Illinois $916 -$314 -25.5%
Indiana $926 -$304 -24.7%
Iowa $830 -$400 -32.5%
Kansas $1,170 -$60 -4.9%
Kentucky $1,678 $448 36.4%
Louisiana $1,820 $590 48.0%
Maine $760 -$470 -38.2%
Maryland $1,014 -$216 -17.6%
Massachusetts $984 -$246 -20.0%
Michigan $2,138 $908 73.8%
Minnesota $1,030 -$200 -16.3%
Mississippi $1,472 $242 19.7%
Missouri $1,090 -$140 -11.4%
Montana $1,322 $92 7.5%
Nebraska $968 -$262 -21.3%
Nevada $1,474 $244 19.8%
New Hampshire $886 -$344 -28.0%
New Jersey $1,374 $144 11.7%
New Mexico $1,090 -$140 -11.4%
New York $1,296 $66 5.4%
North Carolina $708 -$522 -42.4%
North Dakota $1,006 -$224 -18.2%
Ohio $850 -$380 -30.9%
Oklahoma $1,264 $34 2.8%
Oregon $1,126 -$104 -8.5%
Pennsylvania $1,172 -$58 -4.7%
Rhode Island $1,642 $412 33.5%
South Carolina $1,112 -$118 -9.6%
South Dakota $1,038 -$192 -15.6%
Tennessee $1,078 -$152 -12.4%
Texas $1,482 $252 20.5%
Utah $912 -$318 -25.9%
Vermont $844 -$386 -31.4%
Virginia $738 -$492 -40.0%
Washington $950 -$280 -22.8%
West Virginia $1,128 -$102 -8.3%
Wisconsin $852 -$378 -30.7%
Wyoming $1,098 -$132 -10.7%

View Chart as Image

Kia Forte insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Kia Forte Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Forte LX 4-Dr Sedan $1,138 $95
Kia Forte EX 4-Dr Sedan $1,174 $98
Kia Forte EX 2-Dr Coupe $1,390 $116
Kia Forte SX 2-Dr Coupe $1,390 $116
Kia Forte SX 4-Dr Sedan $1,240 $103

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.

Kia Forte Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Kia Forte $240 $376 $456 $1,230
2014 Kia Forte $206 $292 $464 $1,120
2013 Kia Forte $202 $272 $474 $1,106
2010 Kia Forte $170 $210 $474 $1,012

Rates are averaged for all Kia Forte models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Low Cost Kia Forte Insurance

Saving money on insurance for a Kia Forte not only requires having a good driving record, but also having good credit, eliminating unneeded coverage, and possibly raising deductibles. Take the time to comparison shop every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a review of the material that was touched on in the above illustrations.

  • Insureds who purchase increased levels of liability coverage will pay an extra $500 each year to go from a minimum limit to a 250/500 level
  • Drivers age 20 and younger are expensive to insure, costing as high as $395 per month if they have full coverage
  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,420 more per year to buy Kia Forte insurance
  • Increasing deductibles could save as much as $400 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.

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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
Vehicle TestedOverallFrontalSideRollover
2020 Kia Forte 4 DR FWD4 stars4 stars5 stars4 stars
2019 Kia Forte 4 DR FWD4 stars4 stars5 stars4 stars
2018 Kia Forte 5 HB FWDN/RN/R5 stars4 stars
2018 Kia Forte 4 DR FWD5 stars4 stars5 stars4 stars
2017 Kia Forte Koup 2 DR FWDN/RN/RN/RN/R
2017 Kia Forte 5 HB FWDN/RN/R5 stars4 stars
2017 Kia Forte 4 DR FWD5 stars4 stars5 stars4 stars
2016 Kia Forte Koup 2 DR FWDN/RN/RN/RN/R
2016 Kia Forte 5 HB FWDN/RN/R5 stars4 stars
2016 Kia Forte 4 DR FWD5 stars4 stars5 stars4 stars

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
Insurance Coverage CategoryLoss Rate
Collision14%
Property Damage17%
Comprehensive3%
Personal Injury76%
Medical Payment83%
Bodily Injury44%

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.

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

Rates by Driver Age

Kia Forte Insurance Rates by Driver Age
Driver Age Premium
16 $4,736
20 $2,822
30 $1,268
40 $1,230
50 $1,126
60 $1,102

Full coverage, $500 deductibles

Rates by Deductible

Kia Forte Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,500
$250 $1,374
$500 $1,230
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Kia Forte Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,230
50/100 $1,331
100/300 $1,445
250/500 $1,742
100 CSL $1,377
300 CSL $1,628
500 CSL $1,810

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Forte Insurance Rates for High Risk Drivers
Age Premium
16 $6,722
20 $4,492
30 $2,694
40 $2,654
50 $2,534
60 $2,510

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $168

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $83
5-yr Claim Free $79
Paid in Full/EFT $51
Advance Quote $58
Online Quote $86
Total Discounts $506
Rate after discounts $724

Discounts are estimated and may not be available from every company or in every state.

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