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 including full coverage. Comprehensive costs around $182, collision insurance costs $228, and liability coverage is estimated at $478. Buying just liability costs approximately $526 a year, and insurance for high-risk drivers costs around $2,248. 16-year-old drivers pay the highest rates at up to $4,176 a year.

Average premium for full coverage: $1,046

Price estimates for individual coverage:

Estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all Forte models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how your location can change auto insurance rates.

The ranges above highlight why everyone should get quotes for a specific zip code, rather than using rate averages.

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

Rates by State, City, and Model

The chart below breaks down average Kia Forte insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $634
• Choosing higher $1,000 deductibles can save about $94 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,046
• Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,224
• Drivers with multiple tickets or accidents could pay at least $2,248
• The price that insures a teenage driver for full coverage can be $4,176 each year

View Chart as Image

Insurance prices for a Kia Forte are also quite variable based on the model of your Forte, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,200 to $1,800 additional each year, depending on your age. Kia Forte insurance for high-risk drivers ranges around 43% to 128% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,100 a year. View Rates by Age

The state you live in plays a big part in determining prices for Kia Forte insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,490 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $280 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 more each 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 Low Cost Kia Forte Insurance

Getting lower rates on auto insurance takes having a good driving record, having a good credit score, being claim-free, and deciding if full coverage is necessary. Comparison shop at every other renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The next list is a review of the concepts that were illustrated above.

• Drivers who have several accidents or serious violations may have to pay on average $1,200 more every year to buy Kia Forte insurance
• Drivers age 20 and younger are charged the highest prices, possibly costing $348 a month if comprehensive and collision insurance is included
• You may be able to save up to $120 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $275 each year
• You may be able to save up to $120 per year just by quoting online well ahead of the renewal date

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