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Kia Forte Insurance Rates

Kia Forte insurance

The average insurance rates for a Kia Forte are $1,288 a year with full coverage. Comprehensive insurance costs on average $306, collision costs $476, and liability coverage costs around $354. Buying just liability costs as low as $416 a year, with insurance for high-risk drivers costing $2,752 or more. Teen drivers cost the most to insure at $4,702 a year or more.

Average premium for full coverage: $1,288

Policy rates by type of insurance:

Comprehensive $306
Collision $476
Liability $354

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 $416 for your basic liability-only policy to the much higher price of $2,752 for a driver who has had serious violations or accidents.

Liability Only $416
Full Coverage $1,288
High Risk $2,752

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 $966
Small Cities $1,352
Large Cities $1,739

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 $752
  • Using higher $1,000 deductibles will save around $180 annually
  • The average rate for a good driver age 40 with $500 deductibles is $1,288
  • Choosing pricier low deductibles for physical damage coverage will cost an extra $340 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,752 or more
  • Policy cost for full coverage for a teenage driver for full coverage may cost $4,702 or more

View Chart as Image

Kia Forte insurance cost comparison chart
Column chart showing full coverage Kia Forte insurance prices range from $752 to $4,702

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 $4,700 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 $1,040 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,930 on average in Florida, Michigan, and New York.

Kia Forte Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,236-$52-4.0%
Alaska$1,054-$234-18.2%
Arizona$1,290$20.2%
Arkansas$1,302$141.1%
California$1,444$15612.1%
Colorado$1,336$483.7%
Connecticut$1,684$39630.7%
Delaware$1,564$27621.4%
Florida$1,736$44834.8%
Georgia$1,274-$14-1.1%
Hawaii$1,388$1007.8%
Idaho$894-$394-30.6%
Illinois$954-$334-25.9%
Indiana$916-$372-28.9%
Iowa$968-$320-24.8%
Kansas$1,180-$108-8.4%
Kentucky$1,664$37629.2%
Louisiana$2,084$79661.8%
Maine$882-$406-31.5%
Maryland$1,322$342.6%
Massachusetts$1,134-$154-12.0%
Michigan$2,364$1,07683.5%
Minnesota$1,128-$160-12.4%
Mississippi$1,260-$28-2.2%
Missouri$1,096-$192-14.9%
Montana$1,164-$124-9.6%
Nebraska$1,060-$228-17.7%
Nevada$1,658$37028.7%
New Hampshire$1,048-$240-18.6%
New Jersey$1,280-$8-0.6%
New Mexico$1,192-$96-7.5%
New York$1,672$38429.8%
North Carolina$914-$374-29.0%
North Dakota$1,250-$38-3.0%
Ohio$906-$382-29.7%
Oklahoma$1,562$27421.3%
Oregon$1,202-$86-6.7%
Pennsylvania$1,448$16012.4%
Rhode Island$1,558$27021.0%
South Carolina$1,198-$90-7.0%
South Dakota$1,008-$280-21.7%
Tennessee$1,156-$132-10.2%
Texas$1,236-$52-4.0%
Utah$1,140-$148-11.5%
Vermont$914-$374-29.0%
Virginia$924-$364-28.3%
Washington$1,134-$154-12.0%
West Virginia$1,308$201.6%
Wisconsin$1,310$221.7%
Wyoming$1,422$13410.4%

View Chart as Image

Kia Forte insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $520 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 $318 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 $1,500 to $2,000 extra every year, depending on your age. Kia Forte insurance for high-risk drivers can be around 43% to 131% 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 TrimAnnual PremiumMonthly Premium
Kia Forte LX 4-Dr Sedan$1,172$98
Kia Forte EX 4-Dr Sedan$1,214$101
Kia Forte EX 2-Dr Coupe$1,452$121
Kia Forte SX 2-Dr Coupe$1,452$121
Kia Forte SX 4-Dr Sedan$1,300$108

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.

Kia Forte Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal Premium
2018 Kia Forte$306$476$354$1,288
2017 Kia Forte$292$456$370$1,270
2016 Kia Forte$280$454$378$1,264
2015 Kia Forte$270$442$396$1,260
2014 Kia Forte$260$424$408$1,244
2013 Kia Forte$246$408$420$1,226
2012 Kia Forte$236$380$428$1,196
2011 Kia Forte$228$358$432$1,170
2010 Kia Forte$218$320$436$1,126

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 $392 each month for full coverage
  • Drivers who have several accidents or serious violations may be required to pay an average of $1,460 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 $150 per year simply by quoting online well ahead of the renewal date

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Rates by Driver Age

Kia Forte Insurance Rates by Driver Age
Driver AgePremium
16$4,702
20$2,926
30$1,342
40$1,288
50$1,172
60$1,148

Full coverage, $500 deductibles

Rates by Deductible

Kia Forte Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,628
$250$1,472
$500$1,288
$1,000$1,108

Full coverage, driver age 40

Rates by Liability Limit

Kia Forte Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,288
50/100$1,371
100/300$1,459
250/500$1,689
100 CSL$1,406
300 CSL$1,601
500 CSL$1,743

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Forte Insurance Rates for High Risk Drivers
AgePremium
16$6,702
20$4,642
30$2,814
40$2,752
50$2,622
60$2,592

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 $173

Potential Rate Discounts

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

DiscountSavings
Multi-policy$68
Multi-vehicle$65
Homeowner$18
5-yr Accident Free$92
5-yr Claim Free$82
Paid in Full/EFT$58
Advance Quote$62
Online Quote$91
Total Discounts$536
Rate after discounts $752

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

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