Kia Forte Insurance Rates
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:
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.
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.
The examples above demonstrate why everyone should compare prices based on a specific location and risk profile, rather than using price averages.
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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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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
|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 2018 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|
|2018 Kia Forte||$306||$482||$390||$1,336|
|2017 Kia Forte||$294||$478||$398||$1,328|
|2016 Kia Forte||$284||$466||$416||$1,324|
|2015 Kia Forte||$274||$446||$430||$1,308|
|2014 Kia Forte||$260||$430||$442||$1,290|
|2013 Kia Forte||$250||$400||$452||$1,260|
|2012 Kia Forte||$240||$376||$456||$1,230|
|2011 Kia Forte||$230||$338||$460||$1,186|
|2010 Kia Forte||$214||$310||$460||$1,142|
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
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$95|
|5-yr Claim Free||$85|
|Paid in Full/EFT||$59|
Discounts are estimated and may not be available from every company or in every state.