How Much is Insurance on a Kia Forte? [Rates + Comparison Guide]

Kia Forte insurance rates are around $113 a month, but your driving record and where you live will impact the final price you pay for a Kia Forte insurance policy. State Farm and GEICO are the most popular companies for Kia Forte insurance coverage, but you should compare Kia Forte insurance quotes online before choosing a policy. Enter your ZIP code below to get started.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 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

Don’t overthink finding the best Kia Forte insurance rates. It boils down to comparing apples to apples and having a core rate to compare your Kia Forte auto insurance rates to. We’ll cover factors like age, year, and location to give everything you in need. Full coverage costs around $1,352 a year or $113 each month.

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 costs 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, Audi A3 and Audi S3.

Vehicle Comprehensive Collision Liability Total
Kia Forte $322 $500 $372 $1,352
Subaru Legacy $370 $506 $338 $1,350
Audi A3 $282 $566 $398 $1,404
Audi S3 $356 $744 $264 $1,474
Toyota Camry $294 $570 $390 $1,412
Cadillac ATS $294 $566 $398 $1,416
Subaru WRX $320 $566 $338 $1,360
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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, car 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 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 New York may pay $825 a year more than drivers in Seattle.

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 auto insurance rates with violations on their driving record.

Kia Forte Safety Ratings

Your Kia Forte car insurance rates are tied to the safety ratings of the Kia Forte. See the breakdown below:

Test Type Rating
Small overlap front: driver-side G
Small overlap front: passenger-side G
Moderate overlap front G
Side G
Roof strength G
Head restraints and seats G
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Kia Forte Crash Test Ratings

Kia Forte crash test ratings can impact the cost of your Kia Forte car insurance. See Kia Forte crash test results below:

Federal Government Crash Test Ratings 2020 2019 2018
Overall Rating 4 N/A 5
Frontal Crash 4 N/A 4
Side Crash 5 N/A 5
Rollover 4 N/A 4
Source: National Highway Traffic Safety Administration

Kia Forte Safety Features

The safety features of the Kia Forte can impact your Kia Forte car insurance rates. The Kia Forte has the following safety features:

  • Anti-lock brakes
  • Stability control
  • Front-impact airbags
  • Side impact airbags
  • Overhead airbags
  • Pretensioners
  • Security system

Kia Forte Insurance Loss Probability

Insurance loss probability on the Kia Forte fluctuates between each type of coverage. The lower percentage means lower Kia Forte car insurance rates; higher percentages mean higher Kia Forte auto insurance rates.

Insurance Coverage Category Loss Rate
Collision 14%
Property Damage 17%
Comprehensive 3%
Personal Injury 76%
Medical Payment 83%
Bodily Injury 44%
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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

Save more on your Kia Forte car insurance rates. Take a look at the following three strategies that will get you the best Kia Forte auto insurance rates possible.

  • Tell your Insurer How You Use Your Kia Forte
  • Ask About Car Safety Discounts for Your Kia Forte
  • Avoid Adding Aftermarket Parts to Your Kia Forte

Top Kia Forte Insurance Companies

Who is the best 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: https://www.iii.org/fact-statistic/facts-statistics-insurance-company-rankings
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