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.

Average auto insurance rates for a Kia Forte are $1,046 annually for full coverage. Comprehensive insurance costs approximately $182, collision costs $228, and liability is $478. A liability-only policy costs around $526 a year, with high-risk insurance costing $2,248 or more. 16-year-old drivers receive the highest rates at $4,176 a year or more.

Average premium for full coverage: $1,046

Rate estimates by individual coverage type:

Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Forte models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations tend to have fewer accident claims than congested cities.

The example below illustrates how rural and urban location affects auto insurance prices.

These examples show why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of using rate averages.

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

More Rate Information

The chart below shows estimated Kia Forte insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $634
• Raising to $1,000 deductibles will save $94 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,046
• Buying pricier low deductibles costs an additional $178 every year
• At-risk drivers with multiple tickets or accidents could pay around $2,248 or more
• The cost with full coverage for a teen driver for full coverage can cost $4,176

View Chart as Image

Insurance rates for a Kia Forte can also vary considerably based on the trim level of your Forte, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,200 to $1,800 extra per year, depending on your age. Kia Forte insurance for high-risk drivers is expensive and can cost as much as 43% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $280 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Kia Forte insurance prices. A middle-age driver might find rates as low as $690 a year in states like Iowa, Maine, and Idaho, or at least $1,490 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so the rates can be significantly 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 Best Kia Forte Insurance

Saving money on car insurance consists of having a good driving record, having a good credit history, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to shop around every time your policy renews by requesting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The next list is a brief recap of the information raised in the charts and tables above.

• Drivers can save around $120 per year simply by quoting online well ahead of the renewal date
• Drivers age 20 and younger are expensive to insure, costing as high as $348 per month including comprehensive and collision insurance
• Increasing deductibles could save up to $275 each year
• Higher risk drivers who tend to receive serious violations pay on average $1,200 more per year to buy Kia Forte insurance
• Policyholders who purchase increased levels of liability coverage will pay around $530 each year to raise from a minimum 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