2018 Kia Forte Car Insurance Calculator

Discover how changes to driver risk factors and vehicle options affect the cost of insurance for a 2018 Kia Forte. Ajust options like policy discounts, vehicle trim level, and driving violations to see how insurance rates are affected. See instantly if rates increase or decrease and why.

The average estimated car insurance premium for a 2018 Kia Forte is $2,072 per year, or about $173 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

$2,072

Cost Per Month

$173

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 2018 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.

$2,072
Average Rate
Your Rate
$2,072

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 2018 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 2018 Kia Forte is $2,072.

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.

2018 Kia Forte vs. the Small Car Segment

The table below compares insurance rates for the 2018 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.

2018 Kia Forte Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chrysler Fiat 500$1,452-$620
2Ford Fiesta$1,496-$576
3Fiat 124 Spider$1,552-$520
4Smart Fortwo$1,570-$502
5Mazda 3$1,580-$492
6Volkswagen Golf$1,600-$472
7Subaru Impreza$1,610-$462
8Toyota Yaris$1,614-$458
9Chevrolet Spark$1,618-$454
10Honda Fit$1,622-$450
11Hyundai Accent$1,630-$442
12Nissan Sentra$1,760-$312
13Nissan Versa$1,768-$304
14Honda Civic$1,790-$282
2018 Small Car Average$1,814-$258
15Toyota Prius$1,850-$222
16Volkswagen Beetle$1,868-$204
17Toyota Corolla$1,874-$198
18Hyundai Ioniq$1,880-$192
19Nissan Leaf$1,886-$186
20Chevrolet Sonic$1,894-$178
21Volkswagen GTI$1,930-$142
22Chevrolet Cruze$1,940-$132
23Chevrolet Volt$1,972-$100
24Volkswagen E-Golf$1,988-$84
25Honda Clarity$1,998-$74
26Kia Rio$2,014-$58
27Ford Focus$2,046-$26
28Hyundai Elantra$2,064-$8
29Kia Forte$2,072--
30Volkswagen Jetta$2,078$6
31Toyota 86$2,214$142

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.

2018 Forte Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Kia Forte Insurance Rates by Trim Level
2018 Kia Forte Trim Level Annual Premium Cost Per Month
S Sedan$1,716$143
LX Sedan$1,982$165
Forte5 LX Hatchback$2,076$173
EX Sedan$2,134$178
SX Sedan$2,134$178
Forte5 EX Hatchback$2,188$182
Forte5 SX Hatchback$2,282$190

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 2018 Kia Forte for different driver ages.

2018 Kia Forte Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,732$644
17$7,372$614
18$6,383$532
19$5,894$491
20$4,456$371
21$4,247$354
22$3,766$314
23$3,166$264
24$2,960$247
25$2,398$200
30$2,188$182
35$2,136$178
40$2,072$173
45$1,956$163
50$1,864$155
55$1,738$145
60$1,742$145
65$1,852$154
70$2,050$171
75$2,468$206
80$3,054$255

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.