2013 Kia Forte Car Insurance Calculator

Get real-time feedback how seemingly small changes impact the insurance cost for a 2013 Kia Forte. Customize rate factors like credit rating, policy coverages, liability limits, and coverage deductibles. Know immediately the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2013 Kia Forte is $1,488 per year, or about $124 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,488

Cost Per Month

$124

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Kia Forte Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2013 Kia Forte.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,488
Average Rate
Your Rate
$1,488

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2013 Kia Forte trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2013 Kia Forte is $1,488.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2013 Kia Forte vs. the Small Car Segment

The table below compares insurance rates for the 2013 Kia Forte against all other models in the small car segment. The Kia Forte is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Kia Forte, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Kia Forte.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2013 Kia Forte Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,032-$456
2Chrysler Fiat 500$1,064-$424
3Mazda 2$1,084-$404
4Nissan Leaf$1,094-$394
5Toyota Matrix$1,106-$382
6Scion IQ$1,128-$360
7Chevrolet Spark$1,192-$296
8Kia Rio5$1,242-$246
9Hyundai Accent$1,254-$234
10Ford Fiesta$1,262-$226
11Chevrolet Sonic$1,274-$214
12Honda Fit$1,276-$212
13Kia Rio$1,300-$188
14Nissan Versa$1,306-$182
15Toyota Yaris$1,322-$166
16Nissan Sentra$1,330-$158
17Hyundai Elantra$1,336-$152
18Honda CR-Z$1,354-$134
19Mazda 3$1,358-$130
2013 Small Car Average$1,362-$126
20Toyota Corolla$1,364-$124
21Honda Civic$1,370-$118
22Volkswagen Beetle$1,380-$108
23Mazda Mazdaspeed 3$1,432-$56
24Volkswagen GTI$1,462-$26
25Dodge Dart$1,466-$22
26Volkswagen Jetta$1,470-$18
27Toyota Prius$1,474-$14
28Chevrolet Cruze$1,480-$8
29Subaru Impreza$1,484-$4
30Kia Forte$1,488--
31Volkswagen Golf$1,492$4
32Ford Focus$1,496$8
33Volkswagen EOS$1,508$20
34Hyundai Veloster$1,520$32
35Scion FR-S$1,534$46
36Chevrolet Volt$1,598$110
37Scion TC$1,668$180
38Mitsubishi Lancer$1,742$254

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2013 Forte Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 Kia Forte.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2013 Kia Forte Insurance Rates by Trim Level
2013 Kia Forte Trim Level Annual Premium Cost Per Month
EX Coupe$1,420$118
LX Sedan$1,424$119
SX Coupe$1,460$122
EX Sedan$1,464$122
EX Hatchback$1,546$129
SX Hatchback$1,546$129
SX Sedan$1,546$129

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 Kia Forte for different driver ages.

2013 Kia Forte Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,648$471
17$5,343$445
18$4,544$379
19$4,228$352
20$3,179$265
21$3,028$252
22$2,673$223
23$2,280$190
24$2,121$177
25$1,716$143
30$1,562$130
35$1,538$128
40$1,488$124
45$1,412$118
50$1,350$113
55$1,258$105
60$1,260$105
65$1,336$111
70$1,494$125
75$1,818$152
80$2,250$188

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Kia Forte trim levels.