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 prices for a Kia Forte are $1,046 every 12 months for full coverage insurance. Comprehensive insurance costs around $182, collision costs $228, and liability costs $478. Buying just liability costs as little as $526 a year, with insurance for high-risk drivers costing $2,248 or more. Teenage drivers pay the highest rates at $4,176 a year or more.

Average premium for full coverage: $1,046

Price estimates for individual coverage:

Rate estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different Forte trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of using average rates.

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

Additional Rate Analysis

The chart below illustrates estimated Kia Forte insurance rates for additional coverage choices and driver risks.

• The best discount rate is $634
• Drivers who choose higher $1,000 deductibles will pay about $94 each year
• The average price for the average middle-age driver using $500 deductibles is $1,046
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $178 every year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,248 or more
• The price to insure a teen driver with full coverage can be $4,176 a year

View Chart as Image

Insurance prices for a Kia Forte are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles could save up to $280 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,200 to $1,800 additional each year, depending on your age. High-risk driver insurance can cost as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Kia Forte insurance prices. A 40-year-old driver could pay as low as $690 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,420 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to compare prices and see which company has the best price. Every company uses a different method to calculate prices, and prices may be quite different.

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 Shop for the Best Kia Forte Insurance

Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief recap of the coverage data covered in the charts and tables above.

• It is possible to save up to $120 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $275 each year
• Teenage drivers are charged the highest prices, as much as $348 a month if full coverage is included
• Higher risk drivers who tend to receive serious violations may pay on average $1,200 more every year for auto insurance

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