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.

Average insurance prices for a Kia Forte are $1,012 every 12 months with full coverage. Comprehensive costs approximately $170 a year, collision costs $210, and liability insurance costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,172. Teen drivers receive the highest rates at $4,062 a year or more.

Average premium for full coverage: $1,012

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and Forte trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. Rural locations tend to have more infrequent collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These examples demonstrate why it is important to compare rates using their specific location and their own driving history, rather than relying on price averages.

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

Additional Charts and Tables

The chart below details estimated Kia Forte insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $617
• Drivers who choose higher $1,000 deductibles will pay $924 annually
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,012
• Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,174
• High risk drivers with multiple violations and an at-fault accident could pay around $2,172 or more
• The cost to insure a teen driver can cost $4,062 a year

View Chart as Image

Auto insurance rates for a Kia Forte can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Forte.

Choosing high deductibles could save up to $250 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,200 to $1,700 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 132% more than average. View High Risk Driver Rates

Where you live makes a big difference in Kia Forte insurance rates. A 40-year-old driver could pay 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

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Every company uses a different rate calculation, and quoted rates can be significantly different.

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 Shop for More Affordable Kia Forte Insurance

Saving money on Kia Forte insurance not only requires being a low-risk driver, but also having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to compare rates at every policy renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a summary of the data covered in the above illustrations.

• Drivers who purchase more liability coverage will pay about $520 every year to go from a minimum limit to a 250/500 level
• You may be able to save around $110 per year simply by quoting early and online
• Increasing deductibles could save as much as $250 each year
• Teen drivers have the highest car insurance rates, with premiums as much as $339 per 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