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 rates for a Kia Forte are $1,012 a year including full coverage. Comprehensive insurance costs on average $170, collision insurance costs $210, and liability coverage costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs $2,172 or more. Teens receive the highest rates at up to $4,062 a year.

Average premium for full coverage: $1,012

Rate estimates by individual coverage type:

Prices include $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all Forte models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects car insurance rates.

These examples highlight why everyone should compare prices based on a specific location and risk profile, rather than using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $617
• Using higher $1,000 deductibles will save around $88 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,012
• Selecting pricier low deductibles for physical damage coverage will cost an extra $162 each year
• Higher-risk drivers with serious driving violations could pay upwards of $2,172
• The cost for full coverage for a teenage driver for full coverage may cost $4,062 or more

View Chart as Image

Insurance rates for a Kia Forte can also vary considerably based on your driver profile, the model of your Forte, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,000 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $4,000 a year. View Rates by Age

Where you live has a huge impact on Kia Forte insurance rates. A driver around age 40 might see rates as low as $780 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,440 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $250 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,200 to $1,700 extra per year, depending on your age. Kia Forte insurance for high-risk drivers can be around 42% to 132% more than the average policy. View High Risk Driver Rates

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 the Right Kia Forte Insurance

Saving money on auto insurance requires having a good driving record, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Invest the time to compare rates every couple of years by requesting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The next list is a quick rundown of the material that was presented in the illustrations above.

• Consumers who require increased levels of liability coverage will pay approximately $520 per year to increase from a minimum limit to 250/500 limits
• Drivers age 20 and younger pay the highest rates, as much as $339 per month for full coverage
• Drivers with reckless driving or DUI convictions may pay on average $1,160 more each year to buy Kia Forte insurance
• Increasing deductibles can save around $250 each year

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