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.

The average insurance prices for a Kia Forte are $1,046 every 12 months with full coverage. Comprehensive insurance costs an estimated $182 each year, collision insurance costs $228, and liability coverage costs around $478. Buying just liability costs as low as $526 a year, and insurance for high-risk drivers costs $2,248 or more. Teenage drivers cost the most to insure at up to $4,176 a year.

Average premium for full coverage: $1,046

Policy rates broken down by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Forte models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

The examples above demonstrate why all drivers should compare prices for a targeted area and their own driving history, rather than using average rates.

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

Additional Rate Analysis

The chart below details average Kia Forte insurance rates for other coverage scenarios.

• The best discount rate is $634
• Using higher $1,000 deductibles will save approximately $94 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,046
• Using low deductibles for physical damage coverage costs an extra $178 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,248
• Policy cost to insure a teenage driver can cost as much as $4,176 or more

View Chart as Image

Insurance rates for a Kia Forte also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $280 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,200 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers can be around 43% to 128% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Kia Forte insurance rates. A driver around age 40 might see rates as low as $760 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,420 on average in New York, Michigan, and Florida.

View Chart as Image

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

Finding cheaper rates on auto insurance requires having a decent driving record, having good credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates at least once a year by requesting rates from direct companies, and also from your local independent and exclusive agents.

The following items are a brief recap of the primary concepts that were touched on in this article.

• You may be able to save approximately $120 per year just by quoting online in advance
• Drivers who tend to receive serious violations may pay on average $1,200 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save as much as $275 each year
• 16 to 18-year-old drivers are charged the highest rates, as much as $348 each month if they have 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