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 $1,046 a year for full coverage. Comprehensive costs on average $182 a year, collision insurance costs $228, and liability insurance costs around $478. Buying just liability costs as low as $526 a year, and insurance for high-risk drivers costs around $2,248. 16-year-old drivers receive the highest rates at up to $4,176 a year.

Average premium for full coverage: $1,046

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Forte trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than congested cities. The diagram below illustrates the difference location can make on car insurance rates.

These examples show why it is important to compare prices based on a specific location and risk profile, rather than relying on rate averages.

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

More Rate Information

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

• The best full coverage rate is $634
• Using higher $1,000 deductibles will save around $952 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,046
• Buying low $100 deductibles for physical damage coverage will increase the cost to $1,224
• Drivers with multiple tickets or accidents could pay upwards of $2,248
• The cost for full coverage for a teen driver may cost $4,176 or more

View Chart as Image

Auto insurance rates for a Kia Forte can also vary considerably based on your driver profile, the trim level of your Forte, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,000 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $4,100 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 $690 a year in states like Idaho, Maine, and Iowa, or at least $1,490 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $280 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,200 to $1,800 in extra premium per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 128% more than the average rate. 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 Best Cheap Kia Forte Insurance

Saving money on Kia Forte insurance requires being safe and accident-free, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Make time to compare rates every time your policy renews by quoting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Below you'll find a quick review of the information touched on in this article.

• Drivers can save as much as $120 per year just by quoting early and online
• Youthful drivers are charged the highest rates, costing as high as $348 per month if they have full coverage
• Increasing deductibles can save around $275 each year
• High-risk drivers with a DUI or reckless driving violation will pay on average $1,200 more each year than a low-risk driver
• Drivers who require more liability protection will pay around $530 each year to increase from a minimum limit to 250/500 limits

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