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 rates for a Kia Forte are $1,046 a year including full coverage. Comprehensive insurance costs on average $182 a year, collision costs $228, and liability coverage costs $478. Liability-only coverage costs as little as $526 a year, with high-risk coverage costing $2,248 or more. Teens cost the most to insure at $4,176 a year or more.

Average premium for full coverage: $1,046

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Forte trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location, rather than using averaged prices.

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

Rate Comparisons

The chart below breaks down estimated Kia Forte insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $634
• Drivers who choose higher $1,000 deductibles will pay around $952 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,046
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $178 each year
• High-risk insureds with serious driving violations could pay upwards of $2,248 or more
• Policy cost that insures a teenage driver may cost $4,176 a year

View Chart as Image

Insurance rates for a Kia Forte also range considerably based on the trim level of your Forte, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,200 to $1,800 additional every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 128% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,100 a year. View Rates by Age

Your home state makes a big difference in Kia Forte insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,490 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $280 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Every company calculates rates differently, and rates will be varied.

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 Affordable Kia Forte Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare rates every time your policy renews by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a brief review of the information covered in the above illustrations.

• You may be able to save as much as $120 per year simply by quoting early and online
• Teen drivers pay higher rates, with premiums being up to $348 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $275 each year
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,200 more each year to insure their Forte
• Consumers who require more liability coverage will pay approximately $530 per year to go from a 30/60 limit to the 250/500 level

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