2020 Kia Forte Car Insurance Calculator

Learn in real-time how different driver and vehicle factors impact the cost of insurance for a 2020 Kia Forte. Experiment with credit rating, policy coverages, liability limits, and coverage deductibles to see the impact on rates. Know immediately the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2020 Kia Forte is $1,916 per year, or about $160 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

$1,916

Cost Per Month

$160

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 2020 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.

$1,916
Average Rate
Your Rate
$1,916

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 2020 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 2020 Kia Forte is $1,916.

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.

2020 Kia Forte vs. the Small Car Segment

The table below compares insurance rates for the 2020 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.

2020 Kia Forte Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Spark$1,586-$330
2Honda Fit$1,648-$268
3Fiat 500L$1,666-$250
4Toyota Corolla$1,690-$226
5Volkswagen Golf$1,732-$184
6Toyota Yaris$1,752-$164
7Subaru Impreza$1,778-$138
8Fiat 124 Spider$1,806-$110
9Nissan Sentra$1,820-$96
10Mazda 3$1,834-$82
11Honda Civic$1,874-$42
12Kia Rio$1,880-$36
13Hyundai Accent$1,898-$18
14Kia Forte$1,916--
2020 Small Car Average$1,973$57
15Toyota Prius$2,024$108
16Hyundai Veloster$2,080$164
17Volkswagen GTI$2,088$172
18Volkswagen Jetta$2,100$184
19Nissan Versa$2,110$194
20Nissan Leaf$2,128$212
21Mitsubishi Mirage G4$2,130$214
22Chevrolet Sonic$2,168$252
23Honda Clarity$2,206$290
24Hyundai Elantra$2,230$314
25Hyundai Ioniq$2,274$358
26Toyota 86$2,406$490
27Toyota Mirai$2,460$544

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.

2020 Forte Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Kia Forte Insurance Rates by Trim Level
2020 Kia Forte Trim Level Annual Premium Cost Per Month
FE Sedan$1,834$153
LXS Sedan$1,876$156
EX Sedan$1,938$162
GT-Line Sedan$1,938$162
GT Sedan$2,000$167

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 2020 Kia Forte for different driver ages.

2020 Kia Forte Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,914$576
17$6,654$555
18$5,878$490
19$5,388$449
20$4,111$343
21$3,922$327
22$3,500$292
23$2,911$243
24$2,737$228
25$2,222$185
30$2,034$170
35$1,972$164
40$1,916$160
45$1,798$150
50$1,708$142
55$1,596$133
60$1,598$133
65$1,700$142
70$1,852$154
75$2,196$183
80$2,704$225

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.