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.

The average insurance rates for a Kia Forte are $1,046 a year including full coverage. Comprehensive insurance costs on average $182, collision costs $228, and liability is estimated at $478. A liability-only policy costs approximately $526 a year, with high-risk insurance costing $2,248 or more. 16-year-old drivers cost the most to insure at $4,176 a year or more.

Average premium for full coverage: $1,046

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Forte trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates how geographic area affects car insurance rates.

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

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

Rates by State, City, and Model

The chart below breaks down estimated Kia Forte insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $634
• Choosing higher $1,000 deductibles can save around $94 every year
• The average rate for a good driver age 40 with $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 upwards of $2,248 or more
• Policy cost for full coverage for a teen driver with full coverage may cost $4,176 each year

View Chart as Image

Car insurance rates for a Kia Forte also range considerably based on your risk profile, the model of your Forte, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $4,100 a year. View Rates by Age

Your home state 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 Missouri, New Hampshire, and Vermont, or at least $1,490 on average in Michigan, New York, and Louisiana.

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 cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,200 to $1,800 extra every 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

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes will be varied from one company to the next.

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 Best Kia Forte Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a brief recap of the material that was presented in the illustrations above.

• Policyholders who require higher liability limits will pay around $530 per year to raise limits from a 30/60 limit to 250/500 limits
• Teenagers are expensive to insure, with premiums being up to $348 each month if full coverage is included
• Higher risk drivers who tend to receive serious violations may pay on average $1,200 more each year for car insurance
• Increasing comprehensive and collision deductibles can save around $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