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 including full coverage. Comprehensive insurance costs approximately $182, collision insurance costs $228, and liability is estimated at $478. Liability-only insurance costs approximately $526 a year, and high-risk driver insurance costs $2,248 or more. 16-year-old drivers pay the highest rates at up to $4,176 a year.

Average premium for full coverage: $1,046

Price estimates by individual coverage:

Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Forte trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than congested cities. The price range example below illustrates how where you live affects auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $634
• Choosing higher $1,000 deductibles can save $94 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,046
• Buying more expensive low deductibles for comp and collision coverage will cost an extra $178 every year
• Unlucky drivers with multiple tickets or accidents could pay around $2,248
• The price for full coverage for a teen driver with full coverage can cost $4,176 each year

View Chart as Image

Car insurance prices for a Kia Forte are also quite variable based on your driving record, the model of your Forte, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may pay as little as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark of $4,100 a year. View Rates by Age

The state you live in plays a big part in determining prices for Kia Forte insurance prices. A good driver about age 40 could pay as low as $800 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,490 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $280 every year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,800 extra each year, depending on your age. High-risk driver insurance ranges as much as 43% to 128% more than the average rate. View High Risk Driver Rates

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 Affordable Kia Forte Insurance

Getting lower rates on car insurance takes having a good driving record, having above-average credit, being claim-free, and attention to physical damage deductibles. Take the time to comparison shop every time your policy renews by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The next list is a brief review of the information touched on in the above illustrations.

• You may be able to save around $120 per year just by shopping early and online
• Drivers age 20 and younger pay the highest auto insurance prices, possibly costing $348 a month if full coverage is included
• Increasing physical damage deductibles can save around $275 each year
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,200 more per year to buy Kia Forte insurance
• Policyholders who purchase increased levels of liability coverage will pay around $530 per year to raise limits from a low limit to 250/500 limits

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