Kia Forte Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 24, 2024

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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 $1,070 a year with full coverage. Comprehensive costs on average $186, collision insurance costs $252, and liability is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs around $2,304. Teen drivers receive the highest rates at up to $4,256 a year.

Average premium for full coverage: $1,070

Rate estimates by individual coverage type:

Comprehensive $186
Collision $252
Liability $474

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Forte models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $522 for just liability coverage to the much higher price of $2,304 for a high-risk driver policy.

Liability Only $522
Full Coverage $1,070
High Risk $2,304

Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than larger metro areas. The example below illustrates how location helps determine car insurance rates.

Rural Areas $803
Small Cities $1,124
Large Cities $1,445

These examples demonstrate why everyone should compare rates quotes based on a specific location and risk profile, instead of using price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

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

  • The lowest rate with discounts is $644
  • Raising to $1,000 deductibles will save around $100 annually
  • The average rate for a 40-year-old driver with $500 deductibles is $1,070
  • Choosing pricier low deductibles will increase the cost to $1,262
  • At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,304
  • The cost for full coverage for a teen driver for full coverage may cost $4,256

View Chart as Image

Kia Forte insurance cost comparison chart
Column chart showing Kia Forte insurance rates range from $644 to $4,256 for full coverage

Auto insurance rates for a Kia Forte can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $4,200 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 $770 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,450 on average in Florida, Michigan, and New York.

Kia Forte Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $968 -$102 -9.5%
Alaska $822 -$248 -23.2%
Arizona $890 -$180 -16.8%
Arkansas $1,070 -$0 0.0%
California $1,222 $152 14.2%
Colorado $1,022 -$48 -4.5%
Connecticut $1,102 $32 3.0%
Delaware $1,214 $144 13.5%
Florida $1,342 $272 25.4%
Georgia $986 -$84 -7.9%
Hawaii $770 -$300 -28.0%
Idaho $722 -$348 -32.5%
Illinois $798 -$272 -25.4%
Indiana $804 -$266 -24.9%
Iowa $722 -$348 -32.5%
Kansas $1,020 -$50 -4.7%
Kentucky $1,462 $392 36.6%
Louisiana $1,584 $514 48.0%
Maine $662 -$408 -38.1%
Maryland $882 -$188 -17.6%
Massachusetts $858 -$212 -19.8%
Michigan $1,860 $790 73.8%
Minnesota $896 -$174 -16.3%
Mississippi $1,282 $212 19.8%
Missouri $950 -$120 -11.2%
Montana $1,150 $80 7.5%
Nebraska $844 -$226 -21.1%
Nevada $1,284 $214 20.0%
New Hampshire $770 -$300 -28.0%
New Jersey $1,196 $126 11.8%
New Mexico $950 -$120 -11.2%
New York $1,128 $58 5.4%
North Carolina $618 -$452 -42.2%
North Dakota $878 -$192 -17.9%
Ohio $740 -$330 -30.8%
Oklahoma $1,100 $30 2.8%
Oregon $982 -$88 -8.2%
Pennsylvania $1,022 -$48 -4.5%
Rhode Island $1,428 $358 33.5%
South Carolina $970 -$100 -9.3%
South Dakota $904 -$166 -15.5%
Tennessee $938 -$132 -12.3%
Texas $1,292 $222 20.7%
Utah $792 -$278 -26.0%
Vermont $734 -$336 -31.4%
Virginia $642 -$428 -40.0%
Washington $828 -$242 -22.6%
West Virginia $982 -$88 -8.2%
Wisconsin $742 -$328 -30.7%
Wyoming $954 -$116 -10.8%

View Chart as Image

Kia Forte insurance rates by U.S. city

Choosing high deductibles can reduce rates by up to $300 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,300 to $1,800 in extra premium per year, depending on your age. Kia Forte insurance for high-risk drivers is expensive and can cost as much as 42% to 135% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Kia Forte Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Forte LX 4-Dr Sedan $1,010 $84
Kia Forte EX 4-Dr Sedan $1,032 $86
Kia Forte EX 2-Dr Coupe $1,208 $101
Kia Forte SX 2-Dr Coupe $1,208 $101
Kia Forte SX 4-Dr Sedan $1,078 $90

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.

Kia Forte Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Kia Forte $322 $500 $372 $1,352
2023 Kia Forte $306 $482 $390 $1,336
2022 Kia Forte $294 $478 $398 $1,328
2021 Kia Forte $284 $466 $416 $1,324
2020 Kia Forte $274 $446 $430 $1,308
2019 Kia Forte $260 $430 $442 $1,290
2018 Kia Forte $250 $400 $452 $1,260
2017 Kia Forte $240 $376 $456 $1,230
2016 Kia Forte $230 $338 $460 $1,186
2015 Kia Forte $214 $310 $460 $1,142
2014 Kia Forte $206 $292 $464 $1,120
2013 Kia Forte $202 $272 $474 $1,106
2012 Kia Forte $186 $252 $474 $1,070
2011 Kia Forte $182 $228 $478 $1,046
2010 Kia Forte $170 $210 $474 $1,012

Rates are averaged for all Kia Forte models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Cheapest Kia Forte Insurance

Saving money on car insurance consists of having a decent driving record, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates every time your policy renews by obtaining price quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

The following items are a recap of the information covered in the charts and tables above.

  • You may be able to save as much as $120 per year just by quoting online well ahead of the renewal date
  • 16 to 18-year-old drivers are charged the highest rates, with premiums as much as $355 per month if they have full coverage
  • Increasing deductibles can save around $300 each year
  • Higher risk drivers that have major violations or accidents may be required to pay an average of $1,230 more each year than a driver with a clean driving record
  • Policyholders who require additional liability coverage will pay about $520 every year to raise from a minimum limit to 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.

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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
Vehicle TestedOverallFrontalSideRollover
2020 Kia Forte 4 DR FWD4 stars4 stars5 stars4 stars
2019 Kia Forte 4 DR FWD4 stars4 stars5 stars4 stars
2018 Kia Forte 5 HB FWDN/RN/R5 stars4 stars
2018 Kia Forte 4 DR FWD5 stars4 stars5 stars4 stars
2017 Kia Forte Koup 2 DR FWDN/RN/RN/RN/R
2017 Kia Forte 5 HB FWDN/RN/R5 stars4 stars
2017 Kia Forte 4 DR FWD5 stars4 stars5 stars4 stars
2016 Kia Forte Koup 2 DR FWDN/RN/RN/RN/R
2016 Kia Forte 5 HB FWDN/RN/R5 stars4 stars
2016 Kia Forte 4 DR FWD5 stars4 stars5 stars4 stars

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
Insurance Coverage CategoryLoss Rate
Collision14%
Property Damage17%
Comprehensive3%
Personal Injury76%
Medical Payment83%
Bodily Injury44%

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.

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

Rates by Driver Age

Kia Forte Insurance Rates by Driver Age
Driver Age Premium
16 $4,256
20 $2,444
30 $1,094
40 $1,070
50 $982
60 $962

Full coverage, $500 deductibles

Rates by Deductible

Kia Forte Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,262
$250 $1,174
$500 $1,070
$1,000 $970

Full coverage, driver age 40

Rates by Liability Limit

Kia Forte Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,070
50/100 $1,173
100/300 $1,291
250/500 $1,599
100 CSL $1,220
300 CSL $1,481
500 CSL $1,671

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Forte Insurance Rates for High Risk Drivers
Age Premium
16 $6,004
20 $3,898
30 $2,328
40 $2,304
50 $2,202
60 $2,180

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $144

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $55
Multi-vehicle $57
Homeowner $19
5-yr Accident Free $67
5-yr Claim Free $67
Paid in Full/EFT $40
Advance Quote $48
Online Quote $73
Total Discounts $426
Rate after discounts $644

Discounts are estimated and may not be available from every company or in every state.

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