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.

U.S. average insurance rates for a Kia Forte are $1,012 a year with full coverage. Comprehensive insurance costs on average $170, collision insurance costs $210, and liability coverage is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers costs $2,172 or more. Teen drivers pay the highest rates at up to $4,062 a year.

Average premium for full coverage: $1,012

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all Forte models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas have lower incidents of collision claims than larger metro areas. The example below illustrates how geographic area affects car insurance rates.

The ranges above demonstrate why everyone should get quotes based on a specific location, rather than using price averages.

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

Additional Rate Information

The chart below details average Kia Forte insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $617
• Choosing higher $1,000 deductibles can save around $88 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,012
• Choosing pricier low deductibles for comp and collision coverage will cost an additional $162 each year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,172
• The price that insures a teenage driver for full coverage may cost $4,062 each year

View Chart as Image

Insurance prices for a Kia Forte are also quite variable based on the model of your Forte, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,200 to $1,700 extra each year, depending on your age. Kia Forte insurance for high-risk drivers ranges around 42% to 132% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,000 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Kia Forte insurance rates. A good driver about age 40 could pay as low as $730 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,370 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can save as much as $250 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

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 More Affordable Kia Forte Insurance

Getting lower rates on auto insurance takes avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Shop around every other policy renewal by requesting rates from direct companies, and also from several local insurance agents.

The points below are a summary of the ideas that were presented in the illustrations above.

• Drivers under the age of 20 pay the highest prices, costing up to $339 a month if full coverage is included
• Drivers who have multiple accidents or major violations pay on average $1,160 more each year to insure a Kia Forte
• Increasing physical damage deductibles can save approximately $250 each year
• You may be able to save as much as $110 per year just 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.

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