What is the Best Car Insurance for a Kia Forte?

If you want to buy affordable Kia Forte insurance coverage then you should know that a policy will cost $113 per month ($1,352 per year) on average. Finding Kia Forte teenager insurance coverage can cost on average $4,942 a year, so shop around to find cheap rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 30, 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 with full coverage costing around $1,352 a year or $113 a month. The highest rates are for teens who’ll pay about $4,942 a year or $412 a month. We’re going to be going over Kia Forte insurance rates, safety features, 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 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 Nissan Sentra, Dodge Charger, and Nissan Versa.

Vehicle Comprehensive Collision Liability Total
Kia Forte $322 $500 $372 $1,352
Nissan Sentra $254 $570 $390 $1,372
Dodge Charger $376 $626 $466 $1,668
Nissan Versa $268 $542 $390 $1,358
Audi S3 $356 $744 $264 $1,474
Toyota Camry $294 $570 $390 $1,412
Infiniti Q50 $344 $686 $398 $1,586
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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

Older Kia Forte models generally cost less to insure. 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
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Driver Age

Driver age can have a significant impact on Kia Forte auto insurance rates. As an example, a 40-year-old driver could pay $143 less each month for their Kia Forte auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Kia Forte insurance rates. For example, drivers in Jacksonville may pay $811 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Kia Forte car 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

The Kia Forte’s safety ratings will affect your Kia Forte auto insurance rates. See the chart 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
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Kia Forte Crash Test Ratings

Not only do good Kia Forte crash test ratings mean you are better protected in a crash, but good Kia Forte crash ratings also mean cheaper 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
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Kia Forte Safety Features

Having a variety of safety features on your Kia Forte can help lower your insurance costs. According to AutoBlog, the 2020 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 lower percentage means lower Kia Forte car insurance costs; higher percentages mean higher Kia Forte car insurance costs. Compare the following Kia Forte auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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
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Kia Forte Finance and Insurance Cost

If you are financing a Kia Forte, you will pay more if you purchase Kia Forte car insurance at the dealership, so be sure to shop around and compare Kia Forte car insurance quotes from the best 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 auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Kia Forte car insurance rates

  • Check the Odometer on Your Kia Forte
  • Work with a Direct Insurer Instead of an Insurance Broker for Your Kia Forte
  • Remove Young Drivers from Your Kia Forte Insurance Plan
  • Provide Your Kia Forte VIN When Requesting Kia Forte Auto Insurance Quotes
  • Ask About Student Discounts

Top Kia Forte Insurance Companies

Who is the top auto insurance company for Kia Forte insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia Forte auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Kia Forte offers.

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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