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 insurance rates for a Kia Forte are $1,046 a year including full coverage. Comprehensive insurance costs on average $182 a year, collision insurance costs $228, and liability is $478. A policy with just liability insurance costs around $526 a year, and coverage for high-risk drivers costs $2,248 or more. Teens receive the highest rates at up to $4,176 a year.

Average premium for full coverage: $1,046

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Forte trim levels.

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 areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects car insurance rates.

These examples highlight why it is important to compare rates quotes based on a specific location and risk profile, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $634
• Raising to $1,000 deductibles will save around $952 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,046
• Selecting low $100 deductibles will cost an extra $178 every year
• At-risk drivers with serious driving violations could pay upwards of $2,248
• The cost for full coverage for a teen driver may cost $4,176

View Chart as Image

Insurance rates for a Kia Forte can also vary considerably based on your driver profile, the model of your Forte, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $4,100 a year. View Rates by Age

Where you live also has a big influence on Kia Forte insurance prices. A middle-age driver might find rates as low as $800 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,490 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $280 every year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $430 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,200 to $1,800 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 128% more than the average policy. View High Risk Driver Rates

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 More Affordable Kia Forte Insurance

Saving money on car insurance consists of being a safe and courteous driver, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Take the time to comparison shop every couple of years by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below is a summary of the material that was touched on in the above illustrations.

• Policyholders who require higher levels of liability will pay approximately $530 per year to raise from a minimum limit to 250/500 limits
• Teenage drivers pay higher rates, as much as $348 per month including comprehensive and collision insurance
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,200 more each year for auto insurance
• Increasing deductibles can save around $275 each year

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