Kia Forte Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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 insurance rates for a Kia Forte are $1,230 a year including full coverage. Comprehensive insurance costs around $240 a year, collision costs $376, and liability insurance is $456. A liability-only policy costs around $508 a year, with high-risk insurance costing $2,654 or more. Teens cost the most to insure at $4,736 a year or more.

Average premium for full coverage: $1,230

Policy rates for type of insurance:

Comprehensive $240
Collision $376
Liability $456

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Forte trim levels.

Price Range Variability

For an average driver, Kia Forte insurance rates go from the low end price of $508 for the bare minimum liability coverage to a high of $2,654 for a driver who has had serious violations or accidents.

Liability Only $508
Full Coverage $1,230
High Risk $2,654

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

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

Rural Areas $923
Small Cities $1,292
Large Cities $1,661

The examples above highlight why it is important to compare rates quotes for a specific zip code, rather than relying on averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Information

The chart below breaks down estimated Kia Forte insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $724
  • Raising to $1,000 deductibles will save about $1,090 every year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,230
  • Selecting low $100 deductibles will cost an additional $270 a year
  • Higher-risk drivers with serious driving violations could pay at least $2,654 or more
  • Policy cost that insures a teen driver can be $4,736

View Chart as Image

Kia Forte insurance cost comparison chart
Column chart showing full coverage Kia Forte insurance prices range from $724 to $4,736

Car insurance rates for a Kia Forte also range considerably based on the trim level of your Forte, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 136% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $4,700 a year. View Rates by Age

Your home state also has a big influence on Kia Forte insurance rates. A middle-age driver might find rates as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,760 on average in Michigan, New York, and Louisiana.

Kia Forte Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,112 -$118 -9.6%
Alaska $944 -$286 -23.3%
Arizona $1,020 -$210 -17.1%
Arkansas $1,230 -$0 0.0%
California $1,402 $172 14.0%
Colorado $1,176 -$54 -4.4%
Connecticut $1,264 $34 2.8%
Delaware $1,392 $162 13.2%
Florida $1,540 $310 25.2%
Georgia $1,136 -$94 -7.6%
Hawaii $884 -$346 -28.1%
Idaho $830 -$400 -32.5%
Illinois $916 -$314 -25.5%
Indiana $926 -$304 -24.7%
Iowa $830 -$400 -32.5%
Kansas $1,170 -$60 -4.9%
Kentucky $1,678 $448 36.4%
Louisiana $1,820 $590 48.0%
Maine $760 -$470 -38.2%
Maryland $1,014 -$216 -17.6%
Massachusetts $984 -$246 -20.0%
Michigan $2,138 $908 73.8%
Minnesota $1,030 -$200 -16.3%
Mississippi $1,472 $242 19.7%
Missouri $1,090 -$140 -11.4%
Montana $1,322 $92 7.5%
Nebraska $968 -$262 -21.3%
Nevada $1,474 $244 19.8%
New Hampshire $886 -$344 -28.0%
New Jersey $1,374 $144 11.7%
New Mexico $1,090 -$140 -11.4%
New York $1,296 $66 5.4%
North Carolina $708 -$522 -42.4%
North Dakota $1,006 -$224 -18.2%
Ohio $850 -$380 -30.9%
Oklahoma $1,264 $34 2.8%
Oregon $1,126 -$104 -8.5%
Pennsylvania $1,172 -$58 -4.7%
Rhode Island $1,642 $412 33.5%
South Carolina $1,112 -$118 -9.6%
South Dakota $1,038 -$192 -15.6%
Tennessee $1,078 -$152 -12.4%
Texas $1,482 $252 20.5%
Utah $912 -$318 -25.9%
Vermont $844 -$386 -31.4%
Virginia $738 -$492 -40.0%
Washington $950 -$280 -22.8%
West Virginia $1,128 -$102 -8.3%
Wisconsin $852 -$378 -30.7%
Wyoming $1,098 -$132 -10.7%

View Chart as Image

Kia Forte insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $410 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to get quotes from as many companies as possible. Every auto insurance company calculates rates differently, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

Kia Forte Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Forte LX 4-Dr Sedan $1,138 $95
Kia Forte EX 4-Dr Sedan $1,174 $98
Kia Forte EX 2-Dr Coupe $1,390 $116
Kia Forte SX 2-Dr Coupe $1,390 $116
Kia Forte SX 4-Dr Sedan $1,240 $103

Rates assume 2017 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 Year Comprehensive Collision Liability Total Premium
2017 Kia Forte $240 $376 $456 $1,230
2014 Kia Forte $206 $292 $464 $1,120
2013 Kia Forte $202 $272 $474 $1,106
2010 Kia Forte $170 $210 $474 $1,012

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 Affordable Kia Forte Insurance

Finding cheaper rates on Kia Forte insurance consists of being safe and accident-free, having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare rates every other policy renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief review of the ideas that were covered in the above illustrations.

  • Youthful drivers are the costliest to insure, with premiums being up to $395 each month if full coverage is purchased
  • High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,420 more every year than a low-risk driver
  • Increasing comprehensive and collision deductibles can save approximately $400 each year
  • You may be able to save up to $140 per year simply by quoting early and online

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.

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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
Vehicle TestedOverallFrontalSideRollover
2020 Kia Forte 4 DR FWD4 stars4 stars5 stars4 stars
2019 Kia Forte 4 DR FWD4 stars4 stars5 stars4 stars
2018 Kia Forte 5 HB FWDN/RN/R5 stars4 stars
2018 Kia Forte 4 DR FWD5 stars4 stars5 stars4 stars
2017 Kia Forte Koup 2 DR FWDN/RN/RN/RN/R
2017 Kia Forte 5 HB FWDN/RN/R5 stars4 stars
2017 Kia Forte 4 DR FWD5 stars4 stars5 stars4 stars
2016 Kia Forte Koup 2 DR FWDN/RN/RN/RN/R
2016 Kia Forte 5 HB FWDN/RN/R5 stars4 stars
2016 Kia Forte 4 DR FWD5 stars4 stars5 stars4 stars

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
Insurance Coverage CategoryLoss Rate
Collision14%
Property Damage17%
Comprehensive3%
Personal Injury76%
Medical Payment83%
Bodily Injury44%

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.

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

Rates by Driver Age

Kia Forte Insurance Rates by Driver Age
Driver Age Premium
16 $4,736
20 $2,822
30 $1,268
40 $1,230
50 $1,126
60 $1,102

Full coverage, $500 deductibles

Rates by Deductible

Kia Forte Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,500
$250 $1,374
$500 $1,230
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Kia Forte Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,230
50/100 $1,331
100/300 $1,445
250/500 $1,742
100 CSL $1,377
300 CSL $1,628
500 CSL $1,810

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Forte Insurance Rates for High Risk Drivers
Age Premium
16 $6,722
20 $4,492
30 $2,694
40 $2,654
50 $2,534
60 $2,510

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 $168

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $83
5-yr Claim Free $79
Paid in Full/EFT $51
Advance Quote $58
Online Quote $86
Total Discounts $506
Rate after discounts $724

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

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