Best Kia Forte Car Insurance Quotes (2024)
Average Kia Forte insurance rates cost $1,352 a year, or around $113 a month. You can find cheap Kia Forte insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $795 a year.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many different insurance providers, which gives him unique insight into the insurance market...
Commercial Lines Coverage Specialist
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,352 a year or $113 each month
- A liability-only policy costs around $542 a year or $45 each month
- Highest rates are for teenage drivers at around $4,942 a year or $412 each month
- Good drivers can save as much as $557 a year by earning policy discounts
- Kia Forte insurance costs around $167 less per year than the average vehicle
Kia Forte insurance rates are about $167 less per year than the average vehicle, in part due to its good safety ratings. Full coverage averages $1,352 a year or $113 a month. Good drivers save up to $557 a year in policy discounts by practicing safe driving habits. Let’s take a closer look at Kia Forte insurance rates, safety ratings, and more.
You can start comparing quotes for Kia Forte car insurance rates from some of the best car insurance companies by using our free online tool now.
Kia Forte Insurance Cost
The average Kia Forte car insurance rates are $1,352 a year or $113 a month.
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Are Kia Fortes Expensive to Insure?
The chart below details how Kia Forte insurance rates compare to other sedans like the Kia Optima, MINI Hardtop 4 Door, and Subaru WRX.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Forte | $322 | $500 | $372 | $1,352 |
| Kia Optima | $322 | $532 | $420 | $1,454 |
| MINI Hardtop 4 Door | $294 | $566 | $398 | $1,416 |
| Subaru WRX | $320 | $566 | $338 | $1,360 |
| Subaru Impreza | $320 | $542 | $390 | $1,410 |
| Honda Civic | $280 | $656 | $420 | $1,536 |
| Honda Accord | $280 | $500 | $372 | $1,310 |
However, there are a few things you can do to find the cheapest Kia insurance rates online.
What Impacts the Cost of Kia Forte Insurance?
You might have noticed that there is a multitude of factors that impact Kia Forte car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Kia Forte.
Age of the Vehicle
The average Kia Forte auto insurance rates are higher for newer models. For example, auto insurance for a 2020 Kia Forte costs $1,352, while 2010 Kia Forte insurance costs are $1,120, a difference of $232.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Kia Forte | $322 | $500 | $372 | $1,352 |
| 2019 Kia Forte | $306 | $482 | $390 | $1,336 |
| 2018 Kia Forte | $294 | $478 | $398 | $1,328 |
| 2017 Kia Forte | $284 | $466 | $416 | $1,324 |
| 2016 Kia Forte | $274 | $446 | $430 | $1,308 |
| 2015 Kia Forte | $260 | $430 | $442 | $1,290 |
| 2014 Kia Forte | $250 | $400 | $452 | $1,260 |
| 2013 Kia Forte | $240 | $376 | $456 | $1,230 |
| 2012 Kia Forte | $230 | $338 | $460 | $1,186 |
| 2011 Kia Forte | $214 | $310 | $460 | $1,142 |
| 2010 Kia Forte | $206 | $292 | $464 | $1,120 |
Driver Age
Driver age can have a significant impact on the cost of Kia Forte auto insurance. For example, 20-year-old drivers pay approximately $1,654 each year for their Kia Forte auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Kia Forte insurance rates. For example, drivers in Phoenix may pay $744 a year less than drivers in Los Angeles.
Your Driving Record
Your driving record can have an impact on the cost of Kia Forte auto insurance. Teens and drivers in their 20’s see the highest jump in their Kia Forte car insurance with violations on their driving record.
Kia Forte Safety Ratings
Your Kia Forte auto insurance rates are influenced by the Kia Forte’s safety ratings. See the breakdown below:
| Test Type | Rating |
| 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 |
| Source: Insurance Institute for Highway Safety | |
Kia Forte Crash Test Ratings
Good Kia Forte crash test ratings mean the VW is safer, which could mean cheaper Kia Forte car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Kia Forte 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2019 Kia Forte 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Kia Forte 5 HB FWD | N/R | N/R | 5 stars | 4 stars |
| 2018 Kia Forte 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Kia Forte Koup 2 DR FWD | N/R | N/R | N/R | N/R |
| 2017 Kia Forte 5 HB FWD | N/R | N/R | 5 stars | 4 stars |
| 2017 Kia Forte 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Kia Forte Koup 2 DR FWD | N/R | N/R | N/R | N/R |
| 2016 Kia Forte 5 HB FWD | N/R | N/R | 5 stars | 4 stars |
| 2016 Kia Forte 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Kia Forte Safety Features
Having a variety of safety features on your Kia Forte can help lower your Kia Forte insurance costs. The Kia Forte’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- Lane Departure Warning
- Lane Keeping Assist
Kia Forte Insurance Loss Probability
The Kia Forte’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Kia Forte, others are more favorable and lead to lower insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | 14% |
|---|---|
| Property Damage | 17% |
| Comprehensive | 3% |
| Personal Injury | 76% |
| Medical Payment | 83% |
| Bodily Injury | 44% |
| Source: Insurance Institute for Highway Safety | |
Kia Forte Finance and Insurance Cost
If you are financing a Kia Forte, you will pay more if you purchase Kia Forte auto insurance at the dealership, so be sure to shop around and compare Kia Forte auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Kia Forte Insurance
There are several ways you can save even more on your Kia Forte car insurance rates. Take a look at the following five tips:
- Don’t Assume your Kia Forte is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
- Remove Young Drivers from Your Kia Forte Insurance Plan
- If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
- Renew Your Kia Forte Insurance Coverage to Avoid Lapses
- Re-Check Kia Forte Quotes Every 6 Months
Top Kia Forte Insurance Companies
The best auto insurance companies for Kia Forte car insurance rates will offer competitive rates, discounts, and account for the Kia Forte’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Kia Forte Insurance Quotes Online
You can start comparing quotes for Kia Forte auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Frequently Asked Questions
What is Kia Forte car insurance?
Kia Forte car insurance is a type of auto insurance that is designed to protect you and your Kia Forte vehicle from financial losses that can result from accidents, theft, or other damages.
Why is car insurance important for Kia Forte owners?
Car insurance is important for Kia Forte owners because it provides financial protection in case of:
- accidents
- theft
- damages
Without car insurance, you would be responsible for paying for any damages or losses out of pocket, which can be very expensive.
What type of car insurance is best for Kia Forte owners?
The best type of car insurance for Kia Forte owners depends on several factors, including;
- driving habits
- budget
- the amount of coverage you want
Generally, it is recommended to have at least liability coverage, which covers damages to other people and their property in case of an accident.
How much does Kia Forte car insurance cost?
The cost of Kia Forte car insurance varies depending on several factors, including:
- age
- driving record
- location
- and the amount of coverage you want
On average, Kia Forte car insurance can cost anywhere from a few hundred to several thousand dollars per year.
How can I get the best car insurance rates for my Kia Forte?
To get the best car insurance rates for your Kia Forte, you should shop around and compare quotes from different insurance companies. You can also consider increasing your:
- deductibles
- improving your credit score
- and taking advantage of any discounts that you may be eligible for.
What factors affect my Kia Forte car insurance rates?
Several factors can affect your Kia Forte car insurance rates, including:
- age
- gender
- driving record
- location
- the amount of coverage you want
- the type of car you have
Generally, newer and more expensive cars can have higher insurance rates.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many different insurance providers, which gives him unique insight into the insurance market...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.