Kia Forte LX 4-Dr Sedan Insurance Rates

The average auto insurance rates for a Kia Forte LX 4-Dr Sedan are $1,234 annually with full coverage. Comprehensive insurance costs on average $298, collision costs $414, and liability costs around $364. Liability-only coverage costs as low as $430 a year, with high-risk coverage costing $2,624 or more. Teenage drivers cost the most to insure at $4,536 a year or more.

Annual premium for full coverage: $1,234

Policy rates by type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Kia Forte Trim Level

These price differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of using average rates.

Use the form below to get rates for your location.

Insurance prices for a Kia Forte LX 4-Dr Sedan also range considerably based on the model year, your driving record, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can be as much as 44% to 127% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $480 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $327 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Kia Forte LX 4-Dr Sedan insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Because prices have so much variability, the best way to find out exactly what you will pay is to compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, and rates will be varied between companies.

View Chart as Image

The chart above shows Kia Forte LX 4-Dr Sedan insurance prices for different situations. The best price after discounts is $732. Drivers who use higher $1,000 deductibles will pay about $1,072. The average price for a 40-year-old male driver using $500 deductibles is $1,234. Using more expensive $100 deductibles for comp and collision coverage could cost up to $1,544. Drivers with multiple violations and accidents could be charged around $2,624. The price for full coverage for a teen driver can be as high as $4,536.

View Chart as Image