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.

Estimated insurance rates for a Kia Forte are $1,070 a year including full coverage. Comprehensive costs approximately $186 each year, collision insurance costs $252, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,304. Teenage drivers pay the most at up to $4,256 a year.

Average premium for full coverage: $1,070

Premium estimates by type of coverage:

Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Forte models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance prices.

These rate differences highlight why all drivers should compare prices using their specific location, instead of using average rates.

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

Additional Rate Information

The chart below breaks down average Kia Forte insurance rates for additional coverage and risk scenarios.

• The best discount rate is $644
• Using higher $1,000 deductibles will save $100 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,070
• Using low deductibles for physical damage coverage bumps up the cost to $1,262
• Drivers who are prone to accidents and violations could pay around $2,304
• An auto insurance policy that insures a teen driver can cost $4,256 or more

View Chart as Image

Auto insurance prices for a Kia Forte also have a wide range based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,300 to $1,800 in extra premium annually, depending on your age. Insurance for high-risk drivers can be as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,200 a year. View Rates by Age

Where you choose to live has a huge impact on Kia Forte insurance prices. A driver around age 40 might see prices as low as $820 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,530 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $300 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

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 the Best Cheap Kia Forte Insurance

Finding better rates on car insurance requires being a safe and courteous driver, maintaining a good credit score, refrain from filing small claims, and possibly higher deductibles. Compare prices at least once a year by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

Below is a quick review of the primary concepts that were presented in the illustrations above.

• You may be able to save around $120 per year just by quoting online in advance
• Higher risk drivers with a DUI or reckless driving violation will likely pay on average $1,230 more per year for auto insurance
• Increasing policy deductibles can save approximately $300 each year
• Teenage drivers have the highest car insurance prices, with the cost nearing $355 per month if the policy includes full coverage

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