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.

Average insurance prices for a Kia Forte are $1,046 every 12 months for full coverage insurance. Comprehensive costs around $182 each year, collision insurance costs $228, and liability costs $478. A liability-only policy costs as little as $526 a year, and high-risk insurance costs around $2,248. 16-year-old drivers receive the highest rates at up to $4,176 a year.

Average premium for full coverage: $1,046

Rate estimates for individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Forte models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than congested cities. The graphic below illustrates the difference location can make on auto insurance rates.

These examples illustrate why all drivers should compare rates for a specific zip code and their own driving history, instead of using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $634
• Drivers who choose higher $1,000 deductibles will pay about $94 each year
• The average price for a 40-year-old driver using $500 deductibles is $1,046
• Buying low deductibles for comprehensive and collision insurance increases the price to $1,224
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,248
• The cost to insure a teen driver can be $4,176 a year

View Chart as Image

Insurance rates for a Kia Forte can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Opting for high physical damage deductibles could save up to $280 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $430 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $4,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,200 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 128% more than the average rate. View High Risk Driver Rates

Where you live 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 at least $1,420 on average in Michigan, New York, 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 Cheaper Kia Forte Insurance

Saving money on car insurance not only requires having a decent driving record, but also having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Make time to compare rates every couple of years by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a condensed summary of the material that was touched on in this article.

• Policyholders who may need additional liability coverage will pay around $530 annually to go from a minimum limit to a 250/500 level
• 16 to 18-year-old drivers pay higher rates, costing up to $348 per month if they have full coverage
• Higher risk drivers with multiple at-fault accidents may pay on average $1,200 more every year than a driver with a clean driving record
• Increasing deductibles could save as much as $275 each year

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