Kia Forte Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
Estimated auto insurance rates for a Kia Forte are $1,230 annually for full coverage insurance. Comprehensive insurance costs on average $240 each year, collision costs $376, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing $2,654 or more. Teen drivers pay the most at $4,736 a year or more.
Average premium for full coverage: $1,230
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Forte models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Kia Forte go from as cheap as $508 for your basic liability-only policy to a high rate of $2,654 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than larger metro areas.
The graphic below illustrates how location impacts car insurance rates.
These rate differences illustrate why all drivers should compare rates quotes based on a specific location 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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below illustrates estimated Kia Forte insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $724
- Raising to $1,000 deductibles will save around $140 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,230
- Choosing low deductibles costs an additional $270 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,654 or more
- An auto insurance policy with full coverage for a 16-year-old driver may cost $4,736
Insurance prices for a Kia Forte also have a wide range based on the model of your Forte, your risk profile, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $410 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Kia Forte insurance prices. A middle-age driver might find prices as low as $810 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,660 on average in Michigan, New York, and Florida.
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% |
With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
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.
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 Buy Cheap Kia Forte Insurance
Finding better rates on insurance for a Kia Forte consists of avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Spend time shopping around at least every other year by quoting rates from direct insurance companies, and also from local exclusive and independent agents.
The points below are a brief summary of the car insurance concepts touched on above.
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,420 more each year to insure a Kia Forte
- It is possible to save as much as $140 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $400 each year
- Insureds who require increased liability limits will pay about $500 annually to raise from 30/60 bodily injury limits to higher 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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.
Vehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
2020 Kia Forte 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2019 Kia Forte 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2018 Kia Forte 5 HB FWD | N/R | N/R | 5 stars | 4 stars |
2018 Kia Forte 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
2017 Kia Forte Koup 2 DR FWD | N/R | N/R | N/R | N/R |
2017 Kia Forte 5 HB FWD | N/R | N/R | 5 stars | 4 stars |
2017 Kia Forte 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
2016 Kia Forte Koup 2 DR FWD | N/R | N/R | N/R | N/R |
2016 Kia Forte 5 HB FWD | N/R | N/R | 5 stars | 4 stars |
2016 Kia Forte 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 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.
Insurance Coverage Category | Loss Rate |
---|---|
Collision | 14% |
Property Damage | 17% |
Comprehensive | 3% |
Personal Injury | 76% |
Medical Payment | 83% |
Bodily Injury | 44% |
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,500 |
$250 | $1,374 |
$500 | $1,230 |
$1,000 | $1,090 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area