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.

U.S. average insurance rates for a Kia Forte are $1,046 a year with full coverage. Comprehensive insurance costs an estimated $182, collision costs $228, and liability costs around $478. Liability-only insurance costs as low as $526 a year, with high-risk driver insurance costing $2,248 or more. Teenage drivers pay the highest rates at $4,176 a year or more.

Average premium for full coverage: $1,046

Price estimates broken down by individual coverage:

Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all Forte models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. More rural locations have a lower frequency of collision claims than densely populated cities.

The example below illustrates the effect of geographic area on insurance prices.

The ranges above demonstrate why everyone should compare prices for a targeted area and risk profile, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $634
• Using higher $1,000 deductibles will save approximately $94 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,046
• Using pricier low deductibles for physical damage coverage will cost an extra $178 every year
• Drivers who are prone to accidents and violations could pay up to $2,248 or more
• The price for full coverage for a teen driver for full coverage can cost as much as $4,176 or more

View Chart as Image

Car insurance prices for a Kia Forte are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may pay as little as $1,000 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $4,100 a year. View Rates by Age

The state you live in has a huge impact on Kia Forte insurance prices. A driver around age 40 might see prices as low as $760 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,420 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $280 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,200 to $1,800 extra each year, depending on your age. Kia Forte insurance for high-risk drivers can be as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

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 Kia Forte Insurance

Getting lower rates on car insurance requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to compare rates every year by getting rate quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a brief recap of the coverage data covered in the above illustrations.

• You may be able to save approximately $120 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $275 each year
• Drivers age 20 and younger have the highest car insurance prices, costing up to $348 a month if full coverage is included
• Higher risk drivers who tend to receive serious violations may pay on average $1,200 more annually to buy Kia Forte insurance

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