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

Average premium for full coverage: $1,046

Price estimates by individual coverage:

Prices include $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Forte trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how your location can change car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than using average rates.

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

Additional Charts and Tables

The chart below breaks down estimated Kia Forte insurance rates for different risk profiles and scenarios.

• The best discount rate is $634
• Using higher $1,000 deductibles will save around $94 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,046
• Using more expensive low deductibles for physical damage coverage will cost $1,224
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,248 or more
• The price with full coverage for a teenage driver with full coverage may cost $4,176 or more

View Chart as Image

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

An older driver with a good driving record and high physical damage deductibles may only pay around $1,000 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,800 in extra premium each year, depending on your age. High-risk driver insurance can be around 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $280 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Kia Forte insurance rates. A driver around age 40 might see prices as low as $800 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,490 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted prices may be quite 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 the Right Kia Forte Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to shop around at least every other year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a quick rundown of the car insurance concepts illustrated above.

• Drivers with reckless driving or DUI convictions pay on average $1,200 more each year for auto insurance
• You may be able to save as much as $120 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $275 each year
• Consumers who require higher levels of liability will pay an extra $530 per year to increase from a low limit to higher 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