Buying cheaper car insurance for a Kia Forte hinges on a lot of factors such as whether you own a home, if you have recent claims, and your choice of physical damage deductibles. Drivers will pay on average $1,011 annually to insure their Forte, but that figure is an estimation calculated based on a 40-year-old married female driver with full coverage and $1,000 deductibles.
The issue with using an average estimated rate is the likelihood you may not be 40 years old (or even female), possibly single instead of married, and you want different coverage limits than the example. Not everyone needs the same coverages, so the only way to find cheap insurance prices for your Kia is to just compare rates yourself. It’s really quite easy you will be able to compare rates from the best auto insurance companies that insure vehicles in California.
Vehicle trim level has an effect on the cost of insurance, so the price you will be charged to insure a Forte LX 4-Dr Sedan will be $230 less expensive the price to insure the higher-end Forte SX 2-Dr Coupe model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $182 | $292 | $464 | $28 | $138 | $1,104 | $92 |
| Forte EX 4-Dr Sedan | $182 | $292 | $464 | $28 | $138 | $1,104 | $92 |
| Forte SX 4-Dr Sedan | $204 | $354 | $464 | $28 | $138 | $1,188 | $99 |
| Forte EX 2-Dr Coupe | $204 | $418 | $524 | $32 | $156 | $1,334 | $111 |
| Forte SX 2-Dr Coupe | $204 | $418 | $524 | $32 | $156 | $1,334 | $111 |
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in specific garaging location which can influence premium rates greatly.
Comparing quotes for low-cost car insurance is tough enough, and finding out which insurers offer the lowest-priced car insurance rates for a Kia Forte calls for a bit more work.
Each company uses their own formula to establish rates, so let’s begin by examining the car insurance companies with the most affordable rates in California. It’s important that you understand California car insurance rates are impacted by many factors which can substantially decrease or increase the cost of coverage. That is why it is critical to compare many different companies when trying to find the cheapest auto insurance quotes for a Kia Forte. Auto insurance prices are impacted by many different factors and can decrease or increase without notice, so the cheapest company a year ago may now not even be in the top five.
Find the Cheapest Car Insurance for Your Forte
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | Nationwide | $1,213 |
| 4 | CSAA | $1,222 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,496 |
| 9 | GEICO | $1,529 |
| 10 | Allstate | $1,543 |
| 11 | Mercury | $1,548 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,588 |
| 14 | MetLife | $1,654 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $2,006 |
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USAA quotes some of the cheapest car insurance rates in San Diego at around $1,109 per year. Wawanesa, Nationwide, CSAA, and Century National also make the cut as some of the best San Diego, CA car insurance companies.
As shown in the table above, if you are a policyholder with Nationwide and switched to USAA, you could realize a yearly price reduction of about $104. Drivers with CSAA may save as much as $113 a year, and Century National customers might realize rate reductions of up to $117 a year.
Understand that those premiums are averages for all drivers and vehicles and do not factor in an exact vehicle garaging location for a Kia Forte. So the auto insurance company that can offer the best rates for your situation may not even be in the list above. That points out the importance of why you need to compare as many prices as possible using your own individual information.
Get discount San Diego car insurance rates
Auto insurance companies that provide policies for a Kia Forte may also give you special discounts that could reduce prices by 25% or more if you are eligible to receive them. Popular car insurance companies and a partial list of their discounts are shown below.
- Farmers Insurance policyholders can earn discounts including distant student, business and professional, bundle discounts, multi-car, and early shopping.
- State Farm may include discounts for multiple autos, driver’s education, defensive driving training, passive restraint, accident-free, multiple policy, and Steer Clear safe driver discount.
- Liberty Mutual discounts include exclusive group savings, teen driver discount, newly retired, good student, and new move discount.
- MetLife includes discounts for multi-policy, good driver, defensive driver, claim-free, accident-free, and good student.
- Progressive offers discounts for online quote discount, multi-policy, continuous coverage, multi-vehicle, and homeowner.
The example below illustrates the comparison of car insurance rates with and without discounts applied to the premium. The rates are based on a male driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with defensive driving course, homeowner, accident-free, vehicle safety, claim-free, and multiple policy discounts applied. With discounts applied, theamount saved on car insurance for a Kia Forte is 28% or $703.
Here’s why you should compare rates often
San Diego, CA car insurance rates are impacted by many things that may substantially change the price you have to pay for coverage. Improving your credit score, adding a teenager to your policy, or getting a ticket for running a stop sign can trigger price changes that may make certain companies much cheaper than others.
Not only may things change on your end, but car insurance companies file new California auto insurance rates without warning to help ensure profitability. Significantly higher losses may cause higher priced premiums, while a lower level of claims may produce cheaper Forte insurance rates.
The graph below shows rates for the cheapest car insurance in San Diego, CA for a 35-year-old male driver with no violations or accidents, and excellent credit. When quoting prices based on his current situation, USAA has the cheapest car insurance rates in San Diego at $1,169 annually. This is $482 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also on the list of the best San Diego, CA auto insurance companies.
The chart below compares rates after we give the driver in the first example an accident surcharge, bad credit, and a traffic ticket or two. Since each company uses their own formula for determining rates in each state, comparing prices most likely will result in a completely different list of affordable companies as shown below.
Grange now has the lowest car insurance rate in San Diego, CA with Mercury, Progressive, Allstate, and GEICO completing the list. This example illustrates why consumers need to shop around with many companies when trying to get the most economical car insurance rates for a Kia Forte. Insurance rates are influenced by many risk factors and can increase or decrease at any time, so the lowest-price company the last time you shopped around may now not even be in the top five.
How to find more affordable car insurance for a Kia Forte
It is possible to find better rates, and here are a few thrifty ideas that can help California drivers find more affordable coverage.
- Prevent rate increases by staying accident-free
- Increase your comprehensive and collision deductibles
- Avoid getting citations and tickets
- Good credit can mean cheaper rates
- Drive vehicles with five-star safety ratings
- Comparison shop at least every other year
That last piece of advice is certainly crucial, as we noted in the prior information. Auto insurance rates can change considerably based on profitability, so drivers shouldn’t be resistant to buy a policy from a new company if a more affordable rate is found. Having a favorite company is great, but it isn’t a good idea if that stubbornness costs you a lot of money every month. Take a couple minutes and shop around and find cheaper insurance for a Kia Forte in San Diego.
The insurance agencies listed below can probably answer your questions and help you decide which coverage meets your needs best, as some people prefer to have a professional recommendation when comparing insurance rates for a Forte. It can be hard to find the cheapest auto insurance company, and insurance agents licensed in the state of California can provide satisfaction knowing your policy gives you enough coverage if you have a claim.
To find a San Diego insurance agent using an interactive map, click the button link following the list or click here to get price quotes now.
Theresa Nguyen-Muth – State Farm Insurance Agent
6650 Flanders Dr F – San Diego, CA 92121 – (858) 450-6000
Steve Elder – State Farm Insurance Agent
9225 Mira Mesa Blvd #208d – San Diego, CA 92126 – (858) 271-8928
Mike Davis – State Farm Insurance Agent
2254 Moore St #103 – San Diego, CA 92110 – (619) 295-8412
Leavitt Insurance Agency of San Diego
380 Stevens Ave – Solana Beach, CA 92075 – (858) 259-5800