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 auto insurance rates for a Kia Forte are $1,012 annually including full coverage. Comprehensive insurance costs an estimated $170, collision costs $210, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,172 or more. Teenage drivers receive the highest rates at $4,062 a year or more.

Average premium for full coverage: $1,012

Rate estimates broken down by individual coverage type:

Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Forte trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects insurance prices.

These examples highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $617
• Using higher $1,000 deductibles will save approximately $88 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,012
• Using more expensive low deductibles for physical damage coverage costs an additional $162 every year
• Drivers who are prone to accidents and violations could pay up to $2,172 or more
• The cost with full coverage for a teen driver with full coverage can cost as much as $4,062 or more

View Chart as Image

Car insurance rates for a Kia Forte can also vary considerably based on the trim level of your Forte, your driving characteristics, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $4,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,200 to $1,700 extra per year, depending on your age. High-risk driver insurance can be as much as 42% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $250 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

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

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different 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 Low Cost Kia Forte Insurance

Saving money on car insurance requires being a low-risk driver, having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to shop around once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The items below are a review of the data that was raised in the charts and tables above.

• You may be able to save approximately $110 per year simply by shopping early and online
• Policyholders who want more liability coverage will pay an extra $520 per year to increase from a minimum limit to higher 250/500 limits
• Teen drivers have the highest car insurance rates, as much as $339 per month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,160 more annually to insure their Forte

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