Buying affordable car insurance for a Kia Forte in Kentucky is normally pretty easy, but it is dependent upon many rating factors such as the safety rating for your Forte, your occupation, and blemishes on your driving record. Drivers will pay around $746 a year to insure their Forte, but that figure is an estimate calculated using a 40-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.
But there is a high probability that you aren’t exactly 40 years old or even a female, possibly single instead of married, and you may just want the cheapest liability coverage you can find. Even a slight change in rating factors or requested coverage amount can result in a large change in how much coverage for a Kia Forte costs.
This shows why the only real way to find cheap insurance rates for your Kia is to compare as many rates as you can. Do a quick rate comparison now and you can get prices from some of the most affordable companies that offer coverage in Kentucky.
View Kia Forte Insurance Rates
The specific model of Forte will have an impact price, so the rate you will pay to insure a Forte LX 4-Dr Sedan will cost $172 less than the cost to insure the higher-priced Forte SX 2-Dr Coupe version, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $134 | $216 | $342 | $20 | $102 | $814 | $68 |
| Forte EX 4-Dr Sedan | $134 | $216 | $342 | $20 | $102 | $814 | $68 |
| Forte SX 4-Dr Sedan | $152 | $262 | $342 | $20 | $102 | $878 | $73 |
| Forte EX 2-Dr Coupe | $152 | $308 | $388 | $22 | $116 | $986 | $82 |
| Forte SX 2-Dr Coupe | $152 | $308 | $388 | $22 | $116 | $986 | $82 |
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in vehicle garaging location which can raise or lower price quotes substantially.
Ending up with the top insurer can be challenging considering how many companies are available to choose from in Kentucky. The company information in the next section may help you choose which car insurance companies you want to consider when comparing rate quotes. The rankings below are for large, nationwide insurance companies, so smaller companies that only insure vehicles in Kentucky will not be included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Erie Insurance | 87 | 84 | 85 | 85% | A+ | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
The example below illustrates how your choice of deductibles can raise or lower insurance costs when getting quotes for cheap insurance for a Kia Forte. The prices are based on a single female driver, full coverage, and no policy discounts are applied.
As shown above, a 30-year-old driver could lower their car insurance rates by $414 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $622 by switching to a $1,000 deductible. Youthful drivers, like the age 20 example, could possibly save up to $920 or more by choosing larger deductibles on their policy. When insureds make the decision to increase the deductibles on their policy, it is important to have plenty of discretionary funds to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
The importance of shopping around
Lexington insurance rates are impacted by many things that will increase or decrease the policy price. Turning one year older, moving to a different location, or having an accident can produce rate changes resulting in some rates now being cheaper than others. Not only may your situation change, but insurers modify rates without warning in order to remain profitable. Higher than usual claims may result in rate hikes, while long-term profits may result in lower-priced Forte insurance rates.
To illustrate this example, the chart below shows a variety of companies that have the cheapest car insurance in Lexington, KY for a 45-year-old female driver with a good driving record, no prior claims, and a high credit rating. If we estimate prices based on her personal risk profile, Cincinnati Insurance quotes the lowest car insurance rates in Lexington at $1,121 a year. This is $1,022 less than the average premium paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual round out the rest of the best Lexington, KY auto insurance companies.
In this next rate comparison, we will give the driver in the first chart a claim, bad credit, and a couple of points charged on her driving record. Since every car insurance company has a unique formula for determining prices, getting updated rate quotes may now present a significantly different list of the cheapest companies as shown below.
Kentucky Farm Bureau now has the cheapest rate in Lexington with Travelers, USAA, State Farm, and Auto-Owners completing the list. This illustrates why it is so important to shop around when trying to find affordable insurance rates for a Kia Forte.
Insurance prices consist of many factors and change substantially, so the most economical company the last time you shopped around may now be one of the more expensive options.
The agencies below are willing to provide answers to your questions and help you determine which is the best policy, as some people prefer to have a professional recommendation when shopping for the best coverage for a Forte. It can be difficult to find the cheapest car insurance policy, and using a licensed agent can provide peace of mind knowing you have adequate coverage when you need it most. To find an auto insurance agency by location nearest to you, click the button after the list.
Triad Insurance Agency, Inc.
1216 S Broadway – Lexington, KY 40504 – (859) 255-0806
State Farm – Bob Pitman
851 Corporate Dr Ste 200 – Lexington, KY 40503 – (859) 223-1191
Nationwide Insurance: Tim Hamilton Insurance Agency Inc
401 Lewis Hargett Cir #130 – Lexington, KY 40503 – (859) 276-1234
Nationwide Insurance: Turner Ins Group LLC
3320 Clays Mill Rd #211 – Lexington, KY 40503 – (859) 219-0972