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Key Takeaways
- Kia Forte is one of the cheapest compact cars to insure, averaging $1,632 per year.
- Texas Farm Bureau and USAA offer the lowest rates across multiple model years.
- Insurance costs vary by year, trim, and provider; comparing quotes can save you money.
The Kia Forte is a compact car manufactured by the South Korean automobile giants. With an average insurance cost of around $1,700, the Kia Forte is relatively budget-friendly and a great family option. Do you want to know about Kia Forte's insurance rates? Let’s take a closer look at Kia Forte insurance quotes to help you find the best fit for your needs.
Kia Forte Auto Insurance Cost
The average annual Kia Forte car insurance cost is $1,632. While the Forte is more budget-friendly compared to luxury models, insurance rates can still vary based on several factors. The good news is that you can lower your premium by selecting the right insurance provider and taking advantage of available discounts.
Are Kia Forte Models Expensive to Insure?
Compared to other compact cars, the Kia Forte is among the least expensive to insure. As the table below shows, it ranks fifth in terms of the cheapest cars to insure. While the Honda Civic is the most affordable on the list at $1,510, the Kia Forte is not far behind.
| Car Model | Annual Insurance Rate |
|---|---|
| Honda Civic | 1,510 |
| Mazda 3 | 1,512 |
| Subaru Impreza | 1,530 |
| Nissan Leaf | 1,629 |
| Kia Forte | 1,632 |
| Kia Rio | 1,669 |
| Honda Clarity | 1,689 |
| Toyota Corolla | 1,707 |
| Nissan Versa | 1,719 |
| Mitsubishi Mirage G4 | 1,740 |
| Toyota Prius | 1,741 |
What Impacts the Cost of Kia Forte Car Insurance?
Several factors affect the Kia Forte auto insurance cost other than the model itself. Those are:
- The driver's age
- The driver's gender
- The city you are in
- The age of the car
- Trim level of the car
- The insurance company you choose
Cheapest Companies Based on Kia Forte Model Years
2020 Kia Forte
Vermont Mutual is the best pick for an affordable 2020 Kia Forte auto insurance rate at $1,183. While the average annual cost for this model is $1,634, Southern Farm Bureau offers the most expensive premium at $1,584.
| Insurance Company | Annual Rate |
|---|---|
| Vermont Mutual | $1,183 |
| USAA | $1,193 |
| Nationwide | $1,253 |
| Tennessee Farmers | $1,317 |
| American Family | $1,346 |
| State Farm | $1,429 |
| Erie | $1,474 |
| Mercury | $1,486 |
| Plymouth Rock Insurance | $1,518 |
| Country | $1,555 |
| Southern Farm Bureau | $1,584 |
2019 Kia Forte
Cincinnati Insurance provides the most affordable Kia Forte car insurance quote for the 2019 model year at $1,148. On the other hand, Acuity is the most expensive insurance company, with a rate of $1,563. Also, the average annual insurance rate is $1,756.
| Insurance Company | Annual Rate |
|---|---|
| Cincinnati Insurance | $1,148 |
| USAA | $1,158 |
| Nationwide | $1,211 |
| Auto-Owners | $1,280 |
| American Family | $1,360 |
| Erie | $1,377 |
| Plymouth Rock Insurance | $1,431 |
| Country | $1,443 |
| Mercury | $1,457 |
| State Farm | $1,558 |
| Acuity | $1,563 |
2018 Kia Forte
USAA offers the most affordable insurance premium at $980 for the 2018 Kia Forte. Following closely are Tennessee Farmers at $994 and Erie at $1,012. On the higher end, Nationwide charges $1,280 annually. The average 2018 Kia Forte auto insurance rate is $1,469.
| Insurance Company | Annual Rate |
|---|---|
| USAA | $980 |
| Tennessee Farmers | $994 |
| Erie | $1,012 |
| Plymouth Rock Insurance | $1,054 |
| Vermont Mutual | $1,061 |
| Acuity | $1,183 |
| American Family | $1,232 |
| Country | $1,241 |
| Progressive | $1,250 |
| Arbella | $1,274 |
| Nationwide | $1,280 |
2017 Kia Forte
While comparing the 2017 Kia Forte, Texas Farm Bureau offers the most affordable insurance premium at just $812, followed by USAA and Erie, costing $838 and $926, respectively. As for the expensive Kia Forte auto insurance options, Acuity and Nationwide are the top picks, both costing $1,200.
| Insurance Company | Annual Rate |
|---|---|
| Texas Farm Bureau | $812 |
| USAA | $838 |
| Erie | $926 |
| Tennessee Farmers | $1,008 |
| Plymouth Rock Insurance | $1,031 |
| Vermont Mutual | $1,062 |
| Progressive | $1,068 |
| State Farm | $1,073 |
| American Family | $1,181 |
| Acuity | $1,200 |
| Nationwide | $1,200 |
2016 Kia Forte
Texas Farm Bureau comes first on the list of cheapest 2016 Kia Forte auto insurance rates, costing only $806. Arbella is the most expensive pick on the list, with a premium of around $1,362.
| Insurance Company | Annual Rate |
|---|---|
| Texas Farm Bureau | $806 |
| Vermont Mutual | $999 |
| Nationwide | $1,183 |
| USAA | $1,185 |
| Erie | $1,208 |
| American Family | $1,229 |
| Amica | $1,291 |
| Plymouth Rock Insurance | $1,299 |
| State Farm | $1,316 |
| Country | $1,352 |
| Arbella | $1,362 |
2015 Kia Forte
Like the previous model year, Texas Farm Bureau offers the most affordable 2015 Kia Forte insurance cost at just $735. The average annual rate for this model is $1,048, while Arbella is the most expensive insurance provider, charging $1,112 annually.
| Insurance Company | Annual Rate |
|---|---|
| Texas Farm Bureau | $735 |
| Erie | $810 |
| USAA | $830 |
| Vermont Mutual | $866 |
| Tennessee Farmers | $919 |
| Plymouth Rock Insurance | $1,001 |
| State Farm | $1,043 |
| Acuity | $1,062 |
| Progressive | $1,095 |
| Country | $1,110 |
| Arbella | $1,112 |
2014 Kia Forte
Texas Farm Bureau provides Kia Forte with the best affordable insurance options for most of the model years, and it's no different for the 2014 model. Their insurance premium starts at $683, while the most expensive option, Progressive, costs $1,070.
| Insurance Company | Annual Rate |
|---|---|
| Texas Farm Bureau | $683 |
| USAA | $788 |
| Vermont Mutual | $789 |
| Erie | $820 |
| Tennessee Farmers | $875 |
| Plymouth Rock Insurance | $972 |
| American Family | $1,005 |
| State Farm | $1,007 |
| Acuity | $1,027 |
| Arbella | $1,058 |
| Progressive | $1,070 |
2013 Kia Forte
Comparing the 2013 model Kia Forte auto insurance cost, Texas Farm Bureau is again the most affordable option, costing $693. Looking at the list, Country is the most expensive insurance company for this model, with a premium of $1,106.
| Insurance Company | Annual Rate |
|---|---|
| Texas Farm Bureau | $693 |
| USAA | $795 |
| Vermont Mutual | $796 |
| Erie | $823 |
| Tennessee Farmers | $887 |
| Plymouth Rock Insurance | $938 |
| Acuity | $1,025 |
| Arbella | $1,026 |
| American Family | $1,064 |
| State Farm | $1,078 |
| Country | $1,106 |
2012 Kia Forte
Like most of the model years, Texas Farm Bureau is again the most affordable option to insure the 2012 Kia Forte, costing $676. While Country offers the most expensive premium at $1,067, this model year is particularly affordable when it comes to auto insurance rates.
| Insurance Company | Annual Rate |
|---|---|
| Texas Farm Bureau | $676 |
| Vermont Mutual | $731 |
| USAA | $761 |
| Erie | $796 |
| Tennessee Farmers | $849 |
| Plymouth Rock Insurance | $915 |
| Acuity | $961 |
| State Farm | $1,001 |
| Arbella | $1,011 |
| American Family | $1,020 |
| Country | $1,067 |
2011 Kia Forte
Texas Farm Bureau is the best pick for the 2011 Kia Forte car insurance cost, with premiums starting at just $639. Conversely, the most expensive provider is Acuity, charging $1,039 annually.
| Insurance Company | Annual Rate |
|---|---|
| Texas Farm Bureau | $639 |
| Vermont Mutual | $673 |
| USAA | $772 |
| Erie | $779 |
| Tennessee Farmers | $822 |
| Plymouth Rock Insurance | $892 |
| Arbella | $897 |
| American Family | $993 |
| Country | $1,005 |
| Amica | $1,012 |
| Acuity | $1,039 |
Kia Forte Crash Test Ratings
While the Kia Forte auto insurance cost is comparatively affordable, did you know its safety features are one reason behind it? Yes, crash tests and safety ratings are among the major factors that help determine insurance costs.
So, let's check out the crash test ratings of the Kia Forte according to IIHS:
| Test Category | Rating |
|---|---|
| Small overlap front | Good |
| Moderate overlap front (original) | Good |
| Moderate overlap front (updated) | Poor |
| Side (original test) | Good |
| Side (updated test) | Poor |
| Headlights | Poor |
| Front crash prevention - pedestrian | Marginal |
| Seat belt reminders | Acceptable |
| LATCH ease of use | Acceptable |
Kia Forte Safety Features
Like crash tests, safety features are another important factor that impacts Kia Forte's insurance rates.
Here are the safety features of this model:
- Dual front advanced airbags
- Dual front seat-mounted side airbags
- Full-length side curtain airbags
- Front and rear 3-point seat belts with pretensioners and anchor pretensioners
- Front seat-belt buckle sensor & driver's seat-belt reminder
- 4 wheel Anti Lock Braking System (ABS)
- Electronic Stability Control (ESC)
- Vehicle Stability Management (VSM)
- Hill-start Assist Control (HAC)
- Tire-Pressure Monitoring System (TPMS)
- Impact sensing auto door unlock
- Shift-lever automatic door locks & ignition-key removal auto unlock
- Lower Anchors and Tethers for Children (LATCH)
- Rear child-safety door locks
- Engine immobilizer
Ways to Save on Kia Forte Car Insurance
Drive safely: Rash driving can leave a permanent black mark on your driving record. Once insurance companies take note of that, they're likely to raise your insurance premium significantly.
Improve your credit score: If you have a good credit score, especially one above 700, it can help you save significantly on your insurance costs.
Follow driving laws: Even something as simple as traffic violations can increase the auto insurance premium for your Kia Forte.
Ask for relevant discounts: Ask for loyalty discounts, senior citizen discounts, military veteran discounts, and more to reduce your annual premiums as much as possible.
Bundle insurance policies: You can save even more by bundling your auto and home insurance policies.
How Do I Find the Best Kia Forte Car Insurance Rates?
- It could be tempting to choose a provider that offers a low Kia Forte car insurance cost. However, it's always better to apply for multiple free insurance quotes from as many companies as possible! You can either apply individually or use an insurance platform like Way.com.
- Compare, compare, compare - that should be your mantra when searching for the best policy. Only choose a provider who offers a balance of low rates and comprehensive coverage.
- In only a few minutes, an insurance aggregator like Way.com can help you find the lowest insurance rates you've qualified for with your financial position.
- The cheapest rates don't always mean the best! You can always consider spending a bit more to get comprehensive coverage.
How to Get Kia Forte Car Insurance with Way.com
With Way.com's insurance professionals by your side, switching policies is hassle-free-no unnecessary phone calls, paperwork, or long wait times.
Download the Way app and sit back while we handle the numbers (and the savings). Or, just head over to Way.com, where a few simple steps can get you the best Kia Forte car insurance quotes from top insurance providers.
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
DATA SOURCES
Way.com’s Insurance Broker Quote Data
Frequently Asked Questions
How much is insurance for a Kia Forte?
Kias are inexpensive cars to buy but less expensive to insure. The average Kia Forte car insurance cost is $1,632 a year.
Is the Kia Forte a good car?
The Kia Forte is an excellent subcompact car. The inside is big and comfortable for five adults, and it comes standard with much useful technology and driver-aid features from Kia. The Forte has a large trunk and an easy-to-use information system.
How long does a Kia Forte last?
A well-maintained Kia Forte should last between 150,000 and 200,000 kilometers. A Kia Forte should last its owner between 10 and 13 years before requiring significant maintenance if they put on more than 14,250 miles per year, which is the norm for American drivers.
Find out how much it costs to insure other Kia models
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