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.

U.S. average auto insurance rates for a Kia Forte are $1,070 annually for full coverage. Comprehensive costs around $186 a year, collision insurance costs $252, and liability insurance is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers costs around $2,304. Teen drivers pay the highest rates at up to $4,256 a year.

Average premium for full coverage: $1,070

Price estimates for individual coverage:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Forte trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have fewer accident claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance rates.

The ranges above show why it is important to get quotes for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $644
• Choosing higher $1,000 deductibles can save about $970 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,070
• Choosing low $100 deductibles for comp and collision coverage will cost $1,262
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,304
• The price with full coverage for a teen driver can be $4,256 each year

View Chart as Image

Insurance prices for a Kia Forte are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $4,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,300 to $1,800 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $300 each year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Kia Forte insurance rates. A good driver about age 40 could pay as low as $710 a year in states like Idaho, Maine, and Iowa, or as much as $1,530 on average in Michigan, Louisiana, and New York.

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 Buy More Affordable Kia Forte Insurance

Getting lower rates on Kia Forte insurance takes being a good driver, having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop at least every other year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a summary of the car insurance concepts touched on in the above illustrations.

• High-risk drivers who have multiple accidents or major violations pay an average of $1,230 more every year than a safer driver
• Drivers can save up to $120 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $300 each year
• Drivers who may need an increased level of liability coverage will pay about $520 each year to raise limits from a low limit to higher 250/500 limits

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