Kias are cheap cars to buy but not quite as cheap to insure. The average insurance costs for a Kia Forte is $180 a month — or $2,160 a year, $800 higher than the national average. With a base price of $16,600, the annual insurance cost–to–base car price ratio is 13.0%, almost three times the average of 4%.
Model
Monthly insurance rate
Base car price
Cadenza
$220.00
$31,990
Forte
$180.00
$16,600
K900
$220.00
$49,900
Optima
$181.00
$22,200
Rio
$187.00
$14,165
SEdona
$190.00
$26,900
Sorento
$165.00
$25,600
Soul
$176.00
$16,100
Soul Ev
$174.00
$32,250
Sportage
$174.00
$23,200
To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
2017 Kia Forte
10,001–15,000 miles driven yearly
No accidents in the past five years
Anti-theft device on vehicle
Driver located in New York
Good credit
Our estimated price is for the state required minimum coverage which includes bodily injury, property damage, uninsured motorist bodily injury and personal injury protection.
Other factors that can affect your auto insurance rate
The Kia Forte’s model year
The vehicle’s trim
The amount of coverage you need
The estimated miles your drive in a year
The vehicle’s safety and anti-theft features
The driver’s credit score
The driver’s location
The driver’s age
The driver’s driving history in the past five years
The driver’s marital status
Your (or the driver’s) gender
Whether the driver rents, leases or owns the vehicle
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About the Kia Forte
The Kia Forte has been around since 2009 and is currently in its second generation. The compact car was introduced into the United States in 2010. The vehicle is known for its large interior and cargo space, high tech features and high reliability score.
You could save money on car insurance for your Kia Forte if it comes equipped with these safety features.
Anti-lock brakes
Stability control
Airbags
Seatbelt pretensioners
Anti theft system
How safe is the Kia Forte?
The Kia Forte has been evaluated by the Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA) for safety ratings. The IIHS did not rate the small overlap front test; however, in all other crash tests, the Kia Forte received the highest rating possible. The NHTSA awarded the Kia Forte with a 5-Star Overall Safety Rating. The organization rated the frontal crash test and the rollover crash test with four stars, out of five. The side crash test received five stars by the NHTSA.
The latest model of the Kia Forte include forward collision warning, lane departure warning and blind spot monitoring.
How does the Kia Forte compare to other car models?
From a price standpoint, the Kia Forte ranks right in the middle of our list of the 360 priciest car models to insure.
Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College.
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