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 $1,046 annually for full coverage insurance. Comprehensive costs an estimated $182 a year, collision insurance costs $228, and liability coverage is estimated at $478. A policy with just liability insurance costs approximately $526 a year, and coverage for high-risk drivers costs around $2,248. 16-year-old drivers pay the highest rates at up to $4,176 a year.

Average premium for full coverage: $1,046

Price estimates broken down by individual coverage:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Forte trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations have fewer physical damage claims than congested cities. The diagram below illustrates how location impacts insurance prices.

The ranges above illustrate why it is important to get quotes for a targeted area and their own personal driving habits, rather than using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $634
• Choosing higher $1,000 deductibles can save approximately $952 each year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,046
• Buying low $100 deductibles for comp and collision coverage will cost $1,224
• Drivers with multiple tickets or accidents could pay up to $2,248
• The price with full coverage for a teenage driver can cost as much as $4,176 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 risk profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $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 at least $4,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,200 to $1,800 extra each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $280 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 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 $690 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,420 on average in Florida, New York, and Michigan.

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 the Cheapest Kia Forte Insurance

Getting lower rates on auto insurance takes being a good driver, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around every other policy renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a recap of the ideas that were touched on above.

• Drivers age 16 to 20 are charged the highest prices, as much as $348 a month including comprehensive and collision insurance
• Drivers that have major violations or accidents may pay on average $1,200 more annually than a safer driver
• Increasing physical damage deductibles could save up to $275 each year
• It is possible to save approximately $120 per year just by quoting early and online

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