Kia Forte EX 4-Dr Sedan Insurance Rates

U.S. average insurance rates for a Kia Forte EX 4-Dr Sedan are $1,280 a year including full coverage. Comprehensive insurance costs on average $312, collision insurance costs $446, and liability insurance costs $364. Just liability insurance costs as little as $430 a year, and coverage for high-risk drivers costs $2,724 or more. Teen drivers pay the highest rates at up to $4,680 a year.

Annual premium for full coverage: $1,280

Price estimates by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Kia Forte Trim Level

These price ranges highlight why everyone should compare rates based on a specific location and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Insurance rates for a Kia Forte EX 4-Dr Sedan are also quite variable based on your driving record, the replacement cost of your Forte, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teenage drivers, where even good drivers can expect to pay upwards of $4,600 a year. View Rates by Age

The state you live in makes a big difference in Kia Forte EX 4-Dr Sedan insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $500 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase rates by as much as $327 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,000 extra each year, depending on your age. Kia Forte EX 4-Dr Sedan insurance for high-risk drivers can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates

Since rates can be so different, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Every company uses a different rate calculation, so the rates may be quite different from one company to the next.

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The chart above shows average Kia Forte EX 4-Dr Sedan insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $756. Drivers who choose higher $1,000 deductibles will pay around $1,108. The average rate for a 40-year-old male driver using $500 deductibles is $1,280. Selecting more expensive $100 deductibles for collision and other-than-collision coverage can cost as much as $1,608. High risk drivers could be charged at least $2,724. The rate for full coverage for a teen driver is $4,680.

View Chart as Image