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.

The average auto insurance rates for a Kia Forte are $1,012 annually with full coverage. Comprehensive insurance costs an estimated $170 a year, collision costs $210, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing $2,172 or more. Teen drivers cost the most to insure at $4,062 a year or more.

Average premium for full coverage: $1,012

Policy rates broken down by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Forte trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than larger metro areas.

The diagram below illustrates how your location can change insurance prices.

The examples above demonstrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of using price averages.

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

Additional Rate Information

The chart below details estimated Kia Forte insurance rates for other coverage scenarios.

• The lowest rate with discounts is $617
• Raising to $1,000 deductibles will save approximately $924 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,012
• Choosing low $100 deductibles costs an additional $162 every year
• At-risk drivers with multiple violations and an at-fault accident could pay up to $2,172 or more
• Policy cost with full coverage for a teen driver can cost as much as $4,062

View Chart as Image

Car insurance rates for a Kia Forte also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $4,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $250 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Kia Forte insurance prices. A middle-age driver might find rates as low as $730 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,370 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes will be varied between companies.

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 Buy the Best Cheap Kia Forte Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to shop around at every policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a quick review of the data illustrated above.

• Policyholders who want additional liability coverage will pay about $520 every year to raise from a 30/60 limit to higher 250/500 limits
• You may be able to save approximately $110 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $250 each year
• 16 to 18-year-old drivers have the highest car insurance rates, as much as $339 each month if comprehensive and collision insurance is included

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