Kia Forte Insurance Rates
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Is the Kia Forte expensive to insure?
Yes. The average insurance rate for the Kia Forte is $1,832 annually (the Zip Code 45249).
How much does it cost to insure a 2020 Kia Forte?
The 2020 Kia Forte is a compact car available in hatchback, sedan, and coupe body styles. The base model starts at $18,350, while the top-level SX Turbo comes in at around $25,960.
Are Kias good on insurance?
Kias are one of the most affordable cars on the market. They have good gas mileage, and their safety features mean they can be more low-cost to insure than some other cars on the road. Kia has had many high-quality cars that have been recognized by insurance companies for being safe, which is why they tend to cost less on insurance.
Are Kias cheap on insurance?
No, they're not. Their rates are really high! Be prepared to pay a lot for insurance if you own a Kia.
Kia Forte Trims Available
| Kia Forte Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| FE Sedan | $1451 | $731 | $121 |
| LXS Sedan | $1438 | $724 | $121 |
| EX Sedan | $1494 | $750 | $125 |
| GT-Line Sedan | $1492 | $745 | $124 |
| GT Sedan | $1533 | $766 | $130 |
Model by Year
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Forte | $306 | $486 | $393 | $1334 |
| 2019 Kia Forte | $295 | $478 | $398 | $1340 |
| 2018 Kia Forte | $283 | $468 | $420 | $1332 |
| 2017 Kia Forte | $275 | $446 | $429 | $1325 |
| 2016 Kia Forte | $259 | $434 | $441 | $1286 |
| 2015 Kia Forte | $253 | $404 | $450 | $1264 |
| 2014 Kia Forte | $239 | $379 | $459 | $1231 |
| 2013 Kia Forte | $233 | $342 | $463 | $1196 |
| 2012 Kia Forte | $213 | $312 | $461 | $1145 |
| 2011 Kia Forte | $207 | $293 | $464 | $1131 |
| 2010 Kia Forte | $201 | $276 | $478 | $1117 |
Crash Tests Ratings
| 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 |
Cost by Driver Age and Deductibles
| Driver Age | Deductible | Annual Cost | Monthly Cost |
|---|---|---|---|
| 20 | $1000 | $2497 | $209 |
| $504 | $2943 | $248 | |
| $253 | $3438 | $285 | |
| 30 | $1003 | $1317 | $110 |
| $498 | $1553 | $130 | |
| $253 | $1818 | $151 | |
| 40 | $1006 | $1255 | $106 |
| $504 | $1493 | $124 | |
| $251 | $1719 | $143 | |
| 50 | $999 | $1150 | $96 |
| $500 | $1345 | $113 | |
| $253 | $1554 | $130 | |
| 60 | $1014 | $1128 | $94 |
| $502 | $1323 | $111 | |
| $249 | $1539 | $128 |
Cost by State
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1211 | $128 | -9.6% |
| Alaska | $1026 | $313 | -23.5% |
| Arizona | $1113 | $227 | -16.9% |
| Arkansas | $1339 | -$0 | 0.0% |
| California | $1525 | $186 | 13.9% |
| Colorado | $1279 | $60 | -4.5% |
| Connecticut | $1377 | $38 | 2.8% |
| Delaware | $1515 | $176 | 13.2% |
| Florida | $1678 | $339 | 25.4% |
| Georgia | $1237 | $102 | -7.6% |
| Hawaii | $962 | $377 | -28.2% |
| Idaho | $906 | $433 | -32.4% |
| Illinois | $996 | $343 | -25.7% |
| Indiana | $1008 | $331 | -24.8% |
| Iowa | $904 | $435 | -32.6% |
| Kansas | $1273 | $66 | -4.9% |
| Kentucky | $1826 | $487 | 36.5% |
| Louisiana | $1982 | $643 | 48.2% |
| Maine | $826 | $513 | -38.4% |
| Maryland | $1105 | $235 | -17.5% |
| Massachusetts | $1072 | $267 | -19.9% |
| Michigan | $2327 | $988 | 74.0% |
| Minnesota | $1119 | $220 | -16.5% |
| Mississippi | $1604 | $265 | 19.8% |
| Missouri | $1189 | $150 | -11.2% |
| Montana | $1439 | $100 | 7.5% |
| Nebraska | $1058 | $281 | -21.0% |
| Nevada | $1606 | $267 | 19.9% |
| New Hampshire | $962 | $377 | -28.2% |
| New Jersey | $1497 | $158 | 11.8% |
| New Mexico | $1187 | $152 | -11.4% |
| New York | $1409 | $70 | 5.2% |
| North Carolina | $770 | $569 | -42.6% |
| North Dakota | $1096 | $243 | -18.1% |
| Ohio | $926 | $413 | -30.9% |
| Oklahoma | $1375 | $36 | 2.7% |
| Oregon | $1225 | $114 | -8.5% |
| Pennsylvania | $1277 | $62 | -4.6% |
| Rhode Island | $1786 | $447 | 33.5% |
| South Carolina | $1215 | $124 | -9.3% |
| South Dakota | $1129 | $210 | -15.7% |
| Tennessee | $1175 | $164 | -12.3% |
| Texas | $1616 | $277 | 20.7% |
| Utah | $990 | $349 | -26.1% |
| Vermont | $916 | $423 | -31.7% |
| Virginia | $802 | $537 | -40.2% |
| Washington | $1034 | $305 | -22.9% |
| West Virginia | $1229 | $110 | -8.2% |
| Wisconsin | $926 | $413 | -30.9% |
| Wyoming | $1195 | $144 | -10.8% |
Diversity
| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | 12.1% |
| Property Damage | 15.0% |
| Comprehensive | 2.0% |
| Personal Injury | 69.3% |
| Medical Payment | 67.0% |
| Bodily Injury | 41.4% |
Other Kia models
Other styles
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $47 |
| Advance Quote | $66 |
| Online Quote | $94 |
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Discounts are estimated and may not be available from every company or in every state.
