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How Much are Kia Forte Insurance Rates? [Comprehensive Guide]

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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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 16, 2020

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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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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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.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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