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Kia Forte Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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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.

The average insurance rates for a Kia Forte are $1,336 a year with full coverage. Comprehensive insurance costs on average $306, collision costs $482, and liability coverage costs around $390. Buying just liability costs as low as $452 a year, with insurance for high-risk drivers costing $2,866 or more. Teen drivers cost the most to insure at $4,936 a year or more.

Average premium for full coverage: $1,336

Policy rates by type of insurance:

Comprehensive $306
Collision $482
Liability $390

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Forte models.

Price Range Variability

For a driver in their 40's, Kia Forte insurance rates go from as low as $452 for your basic liability-only policy to the much higher price of $2,866 for a driver who has had serious violations or accidents.

Liability Only $452
Full Coverage $1,336
High Risk $2,866

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas.

The example below illustrates how location helps determine car insurance rates.

Rural Areas $1,002
Small Cities $1,403
Large Cities $1,804

The examples above demonstrate why everyone should compare prices based on a specific location and risk profile, rather than using 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 details estimated Kia Forte insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $780
  • Using higher $1,000 deductibles will save around $178 annually
  • The average rate for a good driver age 40 with $500 deductibles is $1,336
  • Choosing pricier low deductibles for physical damage coverage will cost an extra $344 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,866 or more
  • Policy cost for full coverage for a teenage driver for full coverage may cost $4,936 or more

View Chart as Image

Kia Forte insurance cost comparison chart
Column chart showing full coverage Kia Forte insurance prices range from $780 to $4,936

Insurance rates for a Kia Forte also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $4,900 a year. View Rates by Age

Your home state has a huge impact on Kia Forte insurance rates. A driver around age 40 might see rates as low as $960 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,810 on average in Florida, Michigan, and New York.

Kia Forte Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,208 -$128 -9.6%
Alaska $1,024 -$312 -23.4%
Arizona $1,110 -$226 -16.9%
Arkansas $1,336 -$0 0.0%
California $1,522 $186 13.9%
Colorado $1,276 -$60 -4.5%
Connecticut $1,374 $38 2.8%
Delaware $1,512 $176 13.2%
Florida $1,674 $338 25.3%
Georgia $1,234 -$102 -7.6%
Hawaii $960 -$376 -28.1%
Idaho $904 -$432 -32.3%
Illinois $994 -$342 -25.6%
Indiana $1,006 -$330 -24.7%
Iowa $902 -$434 -32.5%
Kansas $1,270 -$66 -4.9%
Kentucky $1,822 $486 36.4%
Louisiana $1,978 $642 48.1%
Maine $824 -$512 -38.3%
Maryland $1,102 -$234 -17.5%
Massachusetts $1,070 -$266 -19.9%
Michigan $2,322 $986 73.8%
Minnesota $1,116 -$220 -16.5%
Mississippi $1,600 $264 19.8%
Missouri $1,186 -$150 -11.2%
Montana $1,436 $100 7.5%
Nebraska $1,056 -$280 -21.0%
Nevada $1,602 $266 19.9%
New Hampshire $960 -$376 -28.1%
New Jersey $1,494 $158 11.8%
New Mexico $1,184 -$152 -11.4%
New York $1,406 $70 5.2%
North Carolina $768 -$568 -42.5%
North Dakota $1,094 -$242 -18.1%
Ohio $924 -$412 -30.8%
Oklahoma $1,372 $36 2.7%
Oregon $1,222 -$114 -8.5%
Pennsylvania $1,274 -$62 -4.6%
Rhode Island $1,782 $446 33.4%
South Carolina $1,212 -$124 -9.3%
South Dakota $1,126 -$210 -15.7%
Tennessee $1,172 -$164 -12.3%
Texas $1,612 $276 20.7%
Utah $988 -$348 -26.0%
Vermont $914 -$422 -31.6%
Virginia $800 -$536 -40.1%
Washington $1,032 -$304 -22.8%
West Virginia $1,226 -$110 -8.2%
Wisconsin $924 -$412 -30.8%
Wyoming $1,192 -$144 -10.8%

View Chart as Image

Kia Forte insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $530 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,100 extra every year, depending on your age. Kia Forte insurance for high-risk drivers can be around 43% to 134% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, so the rates will be varied from one company to the next.

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 $1,220 $102
Kia Forte EX 4-Dr Sedan $1,264 $105
Kia Forte EX 2-Dr Coupe $1,510 $126
Kia Forte SX 2-Dr Coupe $1,510 $126
Kia Forte SX 4-Dr Sedan $1,350 $113

Rates assume 2020 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
2020 Kia Forte $306 $482 $390 $1,336
2019 Kia Forte $294 $478 $398 $1,328
2018 Kia Forte $284 $466 $416 $1,324
2017 Kia Forte $274 $446 $430 $1,308
2016 Kia Forte $260 $430 $442 $1,290
2015 Kia Forte $250 $400 $452 $1,260
2014 Kia Forte $240 $376 $456 $1,230
2013 Kia Forte $230 $338 $460 $1,186
2012 Kia Forte $214 $310 $460 $1,142
2011 Kia Forte $206 $292 $464 $1,120
2010 Kia Forte $202 $272 $474 $1,106

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 Find Low Cost Kia Forte Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, maintaining good credit, not filing small claims, and bundling your home and auto policies. Invest time comparing rates every other policy renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following items are a review of the ideas that were covered in the charts and tables above.

  • 16 to 18-year-old drivers pay the highest rates, as much as $411 each month for full coverage
  • Drivers who have several accidents or serious violations may be required to pay an average of $1,530 more each year than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles can save around $525 each year
  • You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date

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
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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%
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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 $4,936
20 $3,048
30 $1,390
40 $1,336
50 $1,218
60 $1,194

Full coverage, $500 deductibles

Rates by Deductible

Kia Forte Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,680
$250 $1,522
$500 $1,336
$1,000 $1,158

Full coverage, driver age 40

Rates by Liability Limit

Kia Forte Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,336
50/100 $1,428
100/300 $1,526
250/500 $1,779
100 CSL $1,467
300 CSL $1,682
500 CSL $1,838

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Forte Insurance Rates for High Risk Drivers
Age Premium
16 $7,030
20 $4,842
30 $2,926
40 $2,866
50 $2,732
60 $2,706

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 $181

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $95
5-yr Claim Free $85
Paid in Full/EFT $59
Advance Quote $64
Online Quote $94
Total Discounts $556
Rate after discounts $780

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

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