Buy Cheap Kia Forte Auto Insurance in 2024
The cost of Kia Forte car insurance rates are $1,352 a year, or around $113 a month on average. Finding Kia Forte teenager insurance rates can cost on average $4,942 a year, so shop around to find cheap coverage.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Jul 15, 2021
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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
Are you searching for economical Kia Forte insurance rates? Full coverage for a Kia Forte costs around $1,352 a year or $113 each month. Read our guide to learn what drivers can do to save on Kia Forte insurance rates.
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 auto 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 Subaru Legacy, Hyundai Elantra, and Cadillac CTS.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Forte | $322 | $500 | $372 | $1,352 |
| Subaru Legacy | $370 | $506 | $338 | $1,350 |
| Hyundai Elantra | $280 | $562 | $372 | $1,372 |
| Cadillac CTS | $320 | $626 | $398 | $1,502 |
| Ford Taurus | $344 | $596 | $398 | $1,496 |
| Ford Fusion | $336 | $626 | $372 | $1,492 |
| Toyota Avalon | $320 | $536 | $338 | $1,330 |
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?
The Kia Forte trim and model you choose will affect the total price you will pay for Kia Forte insurance coverage.
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 effect on the cost of Kia Forte car insurance. For example, 30-year-old drivers pay approximately $59 more for their Kia Forte car insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Kia Forte insurance rates. For example, drivers in New York may pay $351 a year more than drivers in Chicago.
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 auto insurance rates with violations on their driving record.
Kia Forte Safety Ratings
Your Kia Forte auto insurance rates are tied to 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
Kia Forte crash test ratings can impact your Kia Forte car insurance rates. See Kia Forte crash test results below:
| 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
Kia Forte safety features can lower the cost of your insurance. The safety features for the 2020 Kia Forte 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 probability varies for each form of coverage. The lower percentage means lower Kia Forte auto insurance rates; higher percentages mean higher Kia Forte car 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, most lenders will require your carry higher Kia Forte coverage options including comprehensive coverage, so be sure to shop around and compare Kia Forte auto insurance quotes from the best auto insurance companies using our FREE tool below.
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Ways to Save on Kia Forte Insurance
You have more options at your disposal to save money on your Kia Forte car insurance costs. For example, try these five tips:
- Take a Defensive Driving Course or Any Driver’s Education Course
- Take a Refresher Course as an Older Driver
- Ask About Farm and Ranch Vehicle Discounts
- Re-Check Kia Forte Quotes Every 6 Months
- Ask for a Higher Deductible for Your Kia Forte Insurance Policy
Top Kia Forte Insurance Companies
Several insurance companies offer competitive rates for the Kia Forte based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Kia Forte drivers organized by 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 | |||
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