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.

Estimated insurance rates for a Kia Forte are $1,046 a year for full coverage insurance. Comprehensive costs approximately $182, collision insurance costs $228, and liability costs $478. Liability-only coverage costs as little as $526 a year, and high-risk coverage costs around $2,248. Teen drivers pay the most at up to $4,176 a year.

Average premium for full coverage: $1,046

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all Forte models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas. The example below illustrates how where you live affects auto insurance prices.

These rate differences illustrate why everyone should compare rates using their specific location, instead of making a decision based on price averages.

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

More Rate Details

The chart below illustrates average Kia Forte insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $634
• Drivers who choose higher $1,000 deductibles will pay $94 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,046
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,224
• Drivers with multiple violations and an at-fault accident could pay around $2,248
• An auto insurance policy that insures a 16-year-old driver for full coverage can cost $4,176 a year

View Chart as Image

Insurance prices for a Kia Forte also have a wide range based on the model of your Forte, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,200 to $1,800 extra annually, depending on your age. Kia Forte insurance for high-risk drivers can cost from 43% to 128% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,100 a year. View Rates by Age

Where you choose to live makes a big difference in Kia Forte insurance prices. A 40-year-old driver could pay as low as $690 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,420 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $280 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 more per year. View Rates by Deductible or Liability Limit

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 Cheap Kia Forte Insurance

Finding better rates on insurance for a Kia Forte not only requires being safe and accident-free, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around every couple of years by requesting quotes from direct insurance companies, and also from your local car insurance providers.

Below you'll find a brief summary of the material that was touched on in the above illustrations.

• Insureds who purchase more liability protection will pay about $530 annually to go from 30/60 bodily injury limits to the 250/500 level
• Youthful drivers are expensive to insure, with premiums being up to $348 per month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,200 more per year than a low-risk driver
• Increasing policy deductibles can save approximately $275 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