Finding competitive auto insurance for a Kia Forte hinges on lots of different factors such as whether you are married, whether or not you have prior claims, and citations on your driving record. Drivers in Missouri will pay on average $548 per year to insure their Forte, but that figure is a projection using a 50-year-old married male driver with full physical damage coverage and $1,000 deductibles.
If we were betting, you aren’t exactly 50 years old or even a male, single instead of married, and you don’t want the same coverages and limits as the example. Have just a small change in the rating criteria used to formulate rates can result in a massive change in policy price.
There is no one cookie-cutter policy that works for everyone, so the only real way to find the cheapest insurance price for your Kia is to do your own rate comparisons. It only takes a few minutes and you will receive prices from the best auto insurance companies that offer coverage in Missouri.
The trim level of your Kia tends to have a direct effect on the yearly cost, so the cost to insure a Forte LX 4-Dr Sedan model will be $122 less expensive the price to insure the higher-priced Forte SX 2-Dr Coupe model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forte LX 4-Dr Sedan||$100||$152||$256||$16||$76||$600||$50|
|Forte EX 4-Dr Sedan||$100||$152||$256||$16||$76||$600||$50|
|Forte SX 4-Dr Sedan||$112||$186||$256||$16||$76||$646||$54|
|Forte EX 2-Dr Coupe||$112||$218||$288||$18||$86||$722||$60|
|Forte SX 2-Dr Coupe||$112||$218||$288||$18||$86||$722||$60|
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in specific location which can alter auto insurance rates substantially.
Finding dependable, cost effective auto insurance is hard enough, and determining which companies have the cheapest car insurance rates for a Kia Forte may require even more work. Each auto insurance company has a proprietary method for determining rates in each state, so we need to take a look at the car insurance companies with the overall best prices in Missouri.
Keep in mind that Missouri car insurance rates are impacted by many factors that control the policy premium. Simply improving your credit, buying higher coverage limits, or getting a couple of tickets can trigger changes in premium that can now make some companies cheaper than competitors.
Best Insurance Companies for Your Forte
|Rank||Company||Cost Per Year|
|6||MO Farm Bureau||$1,021|
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USAA may have some of the most affordable car insurance rates in Kansas City at around $648 annually. The Hartford, Electric, Allied, and Travelers also rank well as some of the most economical Kansas City, MO auto insurance companies.
In the above example, if you currently have coverage with Electric and switched to USAA, you could earn a yearly price reduction of around $201. Drivers with Allied may save as much as $201 a year, and Travelers customers might cut rates by $350 a year.
To discover how much you can save, click here to get quotes or visit several of the following companies.
Remember that these rates are averages across all ages of drivers and types of vehicles and do not take into consideration an exact location for a Kia Forte. So the insurer that has the cheapest rates for you may not even be in the top 23 companies in the list above. That underscores the importance of why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
Discounts on Kansas City car insurance
Insurance companies that offer cheap quotes for a Kia Forte could also offer rate discounts that can lower rates by as much as 35% or more if you are eligible for them. Popular car insurance companies and a summarized list of policyholder discounts are:
- GEICO may include discounts for multi-vehicle, seat belt use, anti-theft, multi-policy, defensive driver, federal employee, and emergency military deployment.
- Auto-Owners Insurance offers discounts including mature driver, multiple vehicles, paid in full, student away at school, company car, and anti-theft.
- American Family offers premium reductions for Steer into Savings, multi-vehicle, good driver, accident-free, air bags, and good student.
- Esurance has savings for defensive driver, online shopper, renters, anti-lock brakes, and multi-car.
- Progressive has discounts for homeowner, online quote discount, online signing, good student, and multi-vehicle.
- State Farm offers discounts for passive restraint, defensive driving training, safe vehicle, multiple autos, and good student.
- AAA includes discounts for education and occupation, good driver, multi-car, anti-theft, good student, and pay-in-full.
The example below shows the difference between insurance costs with and without discounts applied. The price estimates are based on a male driver, no tickets, no at-fault accidents, Missouri state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, multiple vehicle, claim-free, safe-driver, vehicle safety, and multiple policy discounts applied. With discounts applied, theaverage yearly reduction on car insurance for a Kia Forte is 28% or $348.
The information below shows how choosing a deductible can affect insurance costs when searching for cheap insurance for a Kia Forte. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
As shown above, a 30-year-old driver could pocket $254 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $386 by using a $1,000 deductible. Young drivers, such as the 20-year-old chart data, have the ability to save up to $764 or more just by choosing higher deductibles.
When insureds make the decision to increase the deductibles on their policy, it is essential to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.
If you aren’t sure which coverage you need and prefer to get some help when trying to find the best insurance rates for a Forte, the professional agents shown below are a good start to answer your questions and help you decide which policy is best. To find a Kansas City insurance agency closest to you, click the button following the list or click here to compare price quotes now.
- Farmers Insurance – Deborah York
5775 NW 64th Terrace #201 – Kansas City, MO 64151 – (816) 746-4443
- Carleton Voorhies – State Farm Insurance Agent
7709 NW Prairie View Rd – Kansas City, MO 64151 – (816) 741-3558
- David Denny – State Farm Insurance Agent
8600 Ward Pkwy #2070 – Kansas City, MO 64114 – (816) 363-3187
- American Family Insurance – Paul Arnone
3851 N Oak Trafficway – Kansas City, MO 64116 – (816) 454-2152
How to find more affordable car insurance for a Kia Forte
It is possible to find better rates, and here are many money-saving suggestions that can help Missouri drivers quote lower-cost auto insurance.
- Avoid accidents and claims
- Bundle home and auto and save
- Increase your credit score
- Buy a car with high safety ratings
- Don’t waste money on full coverage for older vehicles
- Ensure you have the best deal by shopping around regularly
The final tip is extraordinarily important, as was emphasized in the prior information. Car insurance prices in Kansas City go up and down frequently, so don’t be hesitant to buy from a different company if a lower-cost policy is available.
Brand loyalty is great, but it’s not a great idea if that loyalty ends up costing hundreds of dollars year after year. It only take a few minutes to compare rates to find cheaper auto insurance for a Kia Forte.