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 auto insurance rates for a Kia Forte are $1,046 annually including full coverage. Comprehensive insurance costs around $182, collision costs $228, and liability costs $478. Buying just liability costs as little as $526 a year, with insurance for high-risk drivers costing $2,248 or more. Teen drivers receive the highest rates at $4,176 a year or more.

Average premium for full coverage: $1,046

Rate estimates for individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference location can make on auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Kia Forte insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $634
• Drivers who choose higher $1,000 deductibles will pay about $94 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,046
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $178 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,248 or more
• The cost with full coverage for a teen driver with full coverage can be $4,176 a year

View Chart as Image

Auto insurance rates for a Kia Forte can also vary considerably based on the trim level of your Forte, your driving characteristics, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $4,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,200 to $1,800 in extra premium per year, depending on your age. High-risk driver insurance can cost as much as 43% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $280 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Kia Forte insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,490 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out your exact price is to compare rates and see which company has the best rate. Every company uses a different rate calculation, and quoted rates can be significantly different between companies.

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 Affordable Kia Forte Insurance

Saving money on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a brief review of the information touched on in this article.

• You may be able to save up to $120 per year simply by shopping early and online
• Teens are expensive to insure, as much as $348 per month if full coverage is included
• Increasing deductibles could save up to $275 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,200 more every year for Forte insurance
• Policyholders who may need higher liability limits will pay about $530 per year to go from a minimum 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