Finding the best cheap auto insurance for a Kia Forte is fairly simple, but it relies on a lot of things such as whether you own a home, if you have prior claims, and driving citations. Drivers in California will pay around $1,407 a year to insure their Forte, but that figure is an approximation using a 40-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
If we were betting, you may not be 40 years old (or even female), you might be single instead of married, or maybe you just want liability only instead of full coverage. Insurance is an individual thing, so the best way to find cheap insurance rates for your Kia is to do the rate comparisons yourself.
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The trim level of your vehicle has an effect on the cost of coverage, so the price you will pay to insure a Forte LX 4-Dr Sedan will be $364 lower than the price to insure the higher-end Forte SX 2-Dr Coupe version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $326 | $554 | $464 | $28 | $138 | $1,510 | $126 |
| Forte EX 4-Dr Sedan | $326 | $554 | $464 | $28 | $138 | $1,510 | $126 |
| Forte SX 4-Dr Sedan | $370 | $672 | $464 | $28 | $138 | $1,672 | $139 |
| Forte EX 2-Dr Coupe | $370 | $792 | $524 | $32 | $156 | $1,874 | $156 |
| Forte SX 2-Dr Coupe | $370 | $792 | $524 | $32 | $156 | $1,874 | $156 |
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in specific zip code location which can lower or raise coverage prices greatly.
Figuring out which company has the best car insurance rates for a Kia Forte may require a tad more effort in order to find a policy that fits your budget. Each insurer has their own unique process to determine premium rates, so let’s take a look at the car insurance companies that tend to be cheaper in California.
It’s important that readers know that California car insurance rates are impacted by many factors that may substantially change the price of coverage. Simply having another birthday, increasing deductibles, or having an at-fault accident can trigger changes in premium that can cause some rates to be much cheaper than others.
Best Car Insurance Prices for Your Forte
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,496 |
| 9 | GEICO | $1,513 |
| 10 | Allstate | $1,543 |
| 11 | Mercury | $1,548 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,588 |
| 14 | MetLife | $1,606 |
| 15 | Unitrin | $1,682 |
| 16 | Esurance | $1,739 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,026 |
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USAA may offer some of the best car insurance rates in Fresno at around $1,143 a year. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the more affordable Fresno, CA car insurance companies.
As the example above demonstrates, if you currently buy coverage from Nationwide and switched to Wawanesa, you could earn annual savings of upwards of $45. Drivers with 21st Century could save as much as $198 a year, and Grange policyholders might reduce rates by $296 a year.
To discover how much you can save, click here to get quotes or visit any of the companies below.
These rates are averaged across all types of drivers and the different vehicles they drive and are not factoring in an exact zip code location for a Kia Forte. So the insurer that has the cheapest price for you may not even be in the top 24 companies in the list above. That points out the importance of why you need to compare rates from multiple companies using your own driver and vehicle profiles.
Impact of speeding/accidents on Fresno car insurance rates
The common sense way to get good car insurance rates in Fresno for a Forte is to drive attentively and maintain a clean driving record. The illustration below illustrates how traffic citations and at-fault accidents can increase insurance rates for each different age category. The information is based on a single male driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $3,147. Factor in one speeding ticket and the average cost swells to $3,548, an increase of $400 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Kia Forte goes up to an average of $6,987. That’s an increase of $3,840, or $320 per month, just for not paying attention while driving!
Get discounts on Fresno car insurance
Auto insurance companies that sell policies for a Kia Forte may additionally offer rate discounts that could lower prices by 30% or more if you meet specific criteria. A few of the larger companies and some of their more popular discounts can be read below.
- GEICO may offer discounts for multi-policy, military active duty, five-year accident-free, driver training, and federal employee.
- Mercury Insurance discounts include good student, multi-policy, annual mileage, good driver, professional/association, and accident-free.
- Farmers Insurance may include discounts for mature driver, distant student, homeowner, multi-car, business and professional, and switch companies.
- Auto-Owners Insurance offers discounts including multiple vehicles, student away at school, company car, teen driver, and paperless.
- Liberty Mutual has savings for safety features, new vehicle discount, multi-policy, new graduate, hybrid vehicle, and teen driver discount.
- SAFECO may have discounts that include homeowner, anti-lock brakes, teen safe driver, teen safety rewards, and safe driver.
- Progressive offers premium reductions for online signing, continuous coverage, online quote discount, homeowner, and multi-vehicle.
- USAA offers discounts for multi-vehicle, vehicle storage, defensive driver, good student, driver training, loyalty savings, and multi-policy.
The information below visualizes the comparison of premium costs with and without discounts applied to the policy premium. The data assumes a male driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, multiple vehicle, defensive driving course, marriage, passive restraint, and vehicle safety discounts applied. When drivers take advantage of discounts, the average amount saved on car insurance for a Kia Forte is 28% or $695.
Why are you paying too much to insure your Forte?
California car insurance rates are impacted by many things that will increase or decrease your annual premium. Turning one year older, filing a claim, or getting a couple of tickets can produce rate changes resulting in some companies being much cheaper than others. Also, insurance companies amend pricing every year or even multiple times each year in order to remain profitable. Heavy losses can result in higher rates, while a profitable period may cause more affordable Forte insurance rates.
The graph below shows rates for the cheapest car insurance in Fresno, CA for a 40-year-old male driver with a clear driving record, no claims, and good credit. If we estimate rates based on his personal risk profile, USAA might offer the lowest car insurance rates in Fresno at $1,291 per year. This is $360 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the list of the best Fresno, CA auto insurance companies.
Now we will pretend the driver in the first example a chargeable accident, a lower credit rating, and a traffic citation. Because every insurance company has their own guidelines for setting prices, getting updated rate quotes may now present a different ranking of affordable companies as shown below.
Grange now has the lowest price in Fresno, CA with Progressive, Mercury, Allstate, and GEICO also having competitive pricing. This example demonstrates why consumers need to take the time to compare many different companies when trying to find the cheapest auto insurance rates for a Kia Forte.
Prices are impacted by many different factors and can increase or decrease at any time, so the lowest-price company two years ago may now be one of the higher cost companies.
How to find economical car insurance for a Kia Forte
The list below shows many thrifty solutions that can help you quote low-cost auto insurance.
- Drop full coverage on older vehicles
- Raise your deductibles
- Do not file small claims
- Being accident-free can lower rates significantly
- Speeding tickets and other violations increase rates
- Compare prices as often as possible
That final tip is very vital, as we pointed out in the prior article. Prices charged by car insurance companies fluctuate constantly, so don’t be tentative to switch to a new company if you can find a cheaper rate. Many drivers have brand loyalty and that’s fine, but it’s not a great idea if it’s costing you a wad of cash every year. It takes less than five minutes to compare rates to find cheaper insurance for a Kia Forte in Fresno.
The insurance agents in Fresno listed below are willing to help you decide which auto insurance coverages would be the best in your situation, as many consumers aren’t sure which coverage to buy and prefer to have a consultation when buying car insurance for a Kia Forte. It can be hard to find the cheapest car insurance policy, and a licensed agent can bring peace of mind knowing you have adequate protection.
To find an auto insurance agency by location nearest to you, click the button at the bottom of the list.
- McCarty Insurance
7078 N Maple Ave # 106 – Fresno, CA 93720 – (559) 324-1421 - Allstate Insurance: Roger Noguera
3032 W Bullard Ave – Fresno, CA 93711 – (559) 435-2246 - Avakian Insurance Services, Inc.
1274 W Hedges Ave – Fresno, CA 93728 – (559) 268-7386 - Mark Headrick State Farm®
1020 E Perrin Ave #101 – Fresno, CA 93720 – (559) 433-3733 - Allstate Insurance: Patricia Pearson
5755 E Kings Canyon Rd Ste 106 – Fresno, CA 93727 – (559) 255-1861