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 rates for a Kia Forte are $1,046 a year for full coverage. Comprehensive costs an estimated $182, collision costs $228, and liability insurance is estimated at $478. A liability-only policy costs approximately $526 a year, with high-risk insurance costing around $2,248. Teenage drivers receive the highest rates at $4,176 a year or more.

Average premium for full coverage: $1,046

Rate estimates broken down by individual coverage type:

Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different Forte trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

These examples show why anyone shopping for car insurance should get quotes for a targeted area, rather than relying on average rates.

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

More Rate Information

The chart below shows estimated Kia Forte insurance rates for other coverage scenarios.

• The best discount rate is $634
• Choosing higher $1,000 deductibles can save approximately $94 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,046
• Using more expensive low deductibles for comp and collision coverage bumps up the cost to $1,224
• High-risk insureds who are prone to accidents and violations could pay up to $2,248 or more
• The cost that insures a teen driver with full coverage can cost as much as $4,176 each year

View Chart as Image

Insurance rates for a Kia Forte can also vary considerably based on the model year and trim level, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,200 to $1,800 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $4,100 a year. View Rates by Age

Where you live 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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,490 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $280 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know which company is cheapest is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different.

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 Cheaper Kia Forte Insurance

Saving money on Kia Forte insurance takes being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Compare prices once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a condensed summary of the data that was covered above.

• Drivers can save approximately $120 per year simply by shopping early and online
• Drivers who want higher levels of liability will pay an extra $530 each year to raise limits from a minimum limit to the 250/500 level
• Teenage drivers are charged the highest rates, costing as high as $348 per month if full coverage is included
• High-risk drivers with multiple at-fault accidents may pay on average $1,200 more annually for auto insurance

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