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Cheapest Kia Forte Car Insurance (Nov 2024)
Cheapest Kia Forte Car Insurance (Nov 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Kia Forte
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Liz Jenson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How much does Kia Forte car insurance cost?
- Compare the cheapest Kia Forte car insurance quotes
- The best car insurance companies for Kia Forte owners
- Kia Forte insurance cost by model year
- Are Kia Fortes expensive to insure?
- What other factors affect Kia Forte insurance rates?
- How can I lower the cost of insurance for my car?
- Methodology
- Meet our experts
Load full table of contents
How much does Kia Forte car insurance cost?
Your personalized insurance quote might look a lot different from the average rate, though. This is because car insurance prices are highly individualized and dependent on things like your vehicle’s age and trim level. The only reliable way to find out how much your car insurance will cost is to
compare car insurance quotes
from several providers.Compare the cheapest Kia Forte car insurance quotes
While finding car insurance quotes might feel daunting, it’s actually pretty easy. With the Jerry app, you can compare quotes quickly and easily. This service saves Kia Forte drivers an average of $4,744 per year on their car insurance.
Below, you’ll see a table with real, free quotes that drivers have gotten from Jerry.
| Date | Car | Insurance company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
November 21, 2024 | KIA Forte FE | Allstate | $123 | Leo, 49 Lubbock, TX | • 50,000/100,000 Liability • Comp / Collision |
November 14, 2024 | KIA Forte LX | State Auto | $121 | Cory, 32 | • State Minimum Liability |
November 6, 2024 | KIA Forte FE | Safeco | $149 | Mildred, 49 | • 100,000/300,000 Liability • Comp / Collision |
November 6, 2024 | KIA Forte FE | AAA | $355 | Adeline, 27 | • 50,000/100,000 Liability • Comp / Collision |
November 2, 2024 | KIA Forte EX | Bristol West | $173 | Hester, 25 | • No Coverage Liability • Comp / Collision |
Last Updated Nov 21, 2024Even for the same car model, however, insurance costs can vary. Things like your driving record, zip code, credit score, and insurance history can have a big impact on your rate, as can your car’s model year and trim level.
To figure out how much you’ll be paying for your Kia Forte, you’ll need to
get car insurance quotes
from at least three insurance companies.The best car insurance companies for Kia Forte owners
Every insurance provider will use a slightly different algorithm to
calculate your premiums
, meaning there is no one best insurance company for every Kia Forte owner.Instead of relying on one provider for the best rates, get quotes from a few providers to find the best price for your policy. To help you get started, Jerry experts conducted the largest survey in the nation. While providers like
Allstate
and Progressive
were praised for their customer service, other insurers, including Safeco
and Travelers
, achieved higher scores for having some of the lowest rates.Check out the results below:
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How much car insurance do you need for a Kia Forte?
When shopping for car insurance, there are two main types of coverage you should consider:
- Minimum coverage insuranceis the lowest amount of coverage you can legally get in your state. It includesliability insurancein the form ofbodily injuryandproperty damage coverage, but requirements vary from state to state.
- Full coverage insuranceis more expensive because it provides more financial protection for your vehicle with additional insurance options, includingcomprehensiveandcollision insurance.
On average, Kia Forte insurance costs about $197 per month for full coverage and $108 per month for state minimum coverage.
| Car | Average Full Coverage Insurance Cost | Average State Minimum Insurance Cost |
|---|---|---|
Kia Forte | $197 | $108 |
While the state minimum is cheaper on a monthly basis, it only covers damages and medical expenses for third parties—and if the limits on your liability insurance run dry, then you’ll be on the hook for the remaining fees, which can leave you financially vulnerable. Most drivers will benefit from a full coverage policy with higher liability limits of either 50/100/50 or 100/300/100.
For added protection, drivers should also consider including optional insurances on their policy, such as
roadside assistance
or rental reimbursement
.Learn more about car insurance for other models
Why are some trims more expensive to insure than others?
Premium trim levels often pose a higher risk to insurance companies due to higher repair and replacement costs. Take a look at the following table to see the average cost of auto insurance for popular Kia Forte trims.
| Car | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
Forte KIA | $109 | $227 |
Forte KIA EX | $104 | $189 |
Forte KIA FE | $111 | $202 |
Forte KIA GT | $127 | $221 |
Forte KIA GT Line | $111 | $201 |
Forte KIA LX | $109 | $198 |
Forte KIA SX | $109 | $185 |
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Kia Forte insurance cost by model year
The newer your car, the more expensive your insurance. This is due to higher repair costs and cutting-edge technology in newer vehicle models. To see some real quotes for various Kia model years, check out the data that Jerry has compiled for you below.
2023 Kia Forte car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2023 KIA Forte LX | Progressive | $196 | Eleanor, 29 | • 100,000/300,000 Liability • Comp / Collision |
2023 KIA Forte LX | Gainsco | $133 | Stella, 34 | • State Minimum Liability • Comp / Collision |
2023 KIA Forte GT | Bristol West | $704 | Clarence, 25 | • No Coverage Liability • Comp / Collision |
2023 | Infinity | $126 | Ella, 24 | • State Minimum Liability |
2023 KIA Forte LX | Aspen | $208 | Charlotte, 68 Violet Hill, AR | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024 2022 Kia Forte car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2022 KIA Forte FE | Progressive | $239 | William, 68 | • 50,000/100,000 Liability • Comp / Collision |
2022 KIA Forte FE | Travelers | $242 | Jorge, 26 | • 100,000/300,000 Liability • Comp / Collision |
2022 KIA Forte FE | Gainsco | $185 | Alexander, 37 | • State Minimum Liability |
2022 KIA Forte FE | National General | $386 | Keith, 30 | • State Minimum Liability • Comp / Collision |
2022 KIA Forte FE | Mercury | $130 | Jay, 64 Wilmer, TX | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 19, 2024 2021 Kia Forte car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2021 | Allstate | $158 | Willie, 29 | • 50,000/100,000 Liability • Comp / Collision |
2021 | Travelers | $142 | Lillian, 27 | • 100,000/300,000 Liability • Comp / Collision |
2021 KIA Forte FE | State Auto | $143 | Gerald, 39 | • 50,000/100,000 Liability • Comp / Collision |
2021 KIA Forte FE | Bristol West | $255 | Oscar, 30 | • 100,000/300,000 Liability • Comp / Collision |
2021 KIA Forte FE | Mercury | $155 | Jayden, 34 Gardner, IL | • State Minimum Liability • Comp / Collision |
Last Updated Nov 19, 2024If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Kia Forte with our real quote examples below:
2020 Kia Forte car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2020 KIA Forte EX | Progressive | $329 | Esther, 22 | • 50,000/100,000 Liability • Comp / Collision |
2020 KIA Forte FE | Nationwide | $160 | Barbara, 32 | • 50,000/100,000 Liability • Comp / Collision |
2020 KIA Forte FE | Travelers | $236 | Douglas, 30 | • 100,000/300,000 Liability • Comp / Collision |
2020 KIA Forte FE | AAA | $187 | Lillian, 24 | • State Minimum Liability |
2020 | Allstate | $112 | Charlie, 58 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 20, 2024 2019 Kia Forte car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2019 KIA Forte FE | Nationwide | $193 | Theodore, 24 | • 50,000/100,000 Liability • Comp / Collision |
2019 KIA Forte FE | AAA | $247 | Hester, 45 Hot Springs, SD | • 100,000/300,000 Liability • Comp / Collision |
2019 | Travelers | $160 | Phoebe, 28 | • State Minimum Liability • Comp / Collision |
2019 KIA Forte FE | Allstate | $123 | Leo, 49 Lubbock, TX | • 50,000/100,000 Liability • Comp / Collision |
2019 KIA Forte FE | Safeco | $150 | Sean, 33 | • 30,000/60,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024 2018 Kia Forte car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2018 KIA Forte LX | Safeco | $210 | Jeff, 61 New Paris, IN | • 50,000/100,000 Liability • Comp / Collision |
2018 KIA Forte LX | Travelers | $229 | Essie, 24 | • 100,000/300,000 Liability • Comp / Collision |
2018 KIA Forte LX | AAA | $220 | Lucinda, 56 Penndel, PA | • State Minimum Liability • Comp / Collision |
2018 KIA Forte LX | Allstate | $206 | Rachel, 23 | • 50,000/100,000 Liability • Comp / Collision |
2018 KIA Forte EX | Infinity | $70 | Irene, 28 Simi Valley, CA | • State Minimum Liability |
Last Updated Nov 21, 2024 2017 Kia Forte car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2017 KIA Forte LX | Safeco | $216 | Sean, 42 | • 50,000/100,000 Liability |
2017 KIA Forte LX | AAA | $620 | Alan, 25 Edgemoor, DE | • State Minimum Liability • Comp / Collision |
2017 KIA Forte LX | Allstate | $149 | Rosie, 29 | • 50,000/100,000 Liability • Comp / Collision |
2017 KIA Forte LX | Clearcover | $98 | Hattie, 32 | • 100,000/300,000 Liability • Comp / Collision |
2017 KIA Forte LX | State Auto | $139 | Wayne, 48 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024 2016 Kia Forte car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $192 | Scott, 27 | • State Minimum Liability • Comp / Collision | |
2016 KIA Forte LX | Travelers | $177 | Elsie, 51 | • 50,000/100,000 Liability • Comp / Collision |
2016 KIA Forte LX | Safeco | $111 | Steven, 29 | • 100,000/300,000 Liability • Comp / Collision |
2016 KIA Forte EX | Allstate | $328 | William, 35 | • State Minimum Liability • Comp / Collision |
2016 KIA Forte LX | Nationwide | $213 | Philip, 36 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 19, 2024 2015 Kia Forte car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2015 KIA Forte EX | Progressive | $163 | Sally, 20 Rawlins, WY | • State Minimum Liability • Comp / Collision |
2015 KIA Forte EX | Allstate | $192 | David, 46 | • 50,000/100,000 Liability • Comp / Collision |
2015 KIA Forte EX | Travelers | $120 | Jeffery, 32 Holden, MO | • 100,000/300,000 Liability • Comp / Collision |
2015 KIA Forte EX | Safeco | $79 | Joel, 69 | • State Minimum Liability • Comp / Collision |
2015 KIA Forte LX | AAA | $268 | Jane, 21 | • 25,000/50,000 Liability |
Last Updated Nov 19, 2024 2014 Kia Forte car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2014 KIA Forte LX | Nationwide | $100 | Jason, 47 | • 50,000/100,000 Liability • Comp / Collision |
2014 KIA Forte EX | Allstate | $146 | Adrian, 22 | • State Minimum Liability • Comp / Collision |
2014 KIA Forte EX | Travelers | $195 | Jack, 38 | • 50,000/100,000 Liability • Comp / Collision |
2014 KIA Forte LX | National General | $377 | Patrick, 53 | • 100,000/300,000 Liability • Comp / Collision |
2014 KIA Forte EX | Plymouth Rock | $121 | Stephen, 33 Rochester, PA | • State Minimum Liability • Comp / Collision |
Last Updated Nov 20, 2024 2013 Kia Forte car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2013 KIA Forte LX | Travelers | $138 | Patrick, 41 | • 50,000/100,000 Liability • Comp / Collision |
2013 KIA Forte EX | Nationwide | $101 | Eva, 33 | • 100,000/300,000 Liability • Comp / Collision |
2013 KIA Forte EX | Allstate | $182 | Edgar, 29 Cincinnati, OH | • State Minimum Liability • Comp / Collision |
2013 KIA Forte SX | Safeco | $89 | Alfred, 29 | • 100,000/300,000 Liability • Comp / Collision |
2013 KIA Forte EX | State Auto | $97 | Emma, 32 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 18, 2024See All Kia Forte Insurance Information by Year
Are Kia Fortes expensive to insure?
At an average rate of $151 per month, the Kia Forte insurance is more expensive to insure than the national average for other models in a similar price range.
| Car | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
Kia Forte | $108 | $197 |
Mitsubishi Outlander | $103 | $192 |
Subaru Forester | $85 | $136 |
Fiat 500 | $84 | $156 |
Mazda CX-30 | $110 | $176 |
But what exactly makes one car more or less expensive to insure than another? Insurance companies take a lot of factors into consideration when calculating your insurance prices, such as your vehicle’s MSRP, trim level, model year, and safety ratings—all of which have a big impact on your premiums.
Kia Forte safety ratings
Safety ratings are also an important determining factor for car insurance premiums. Two of the most well-known vehicle safety rating organizations are:
- Insurance Institute for Highway Safety (IIHS): The IIHS uses two factors to assess vehicle safety: how well the technology in the vehicle can prevent or reduce the severity of crashes, and how well vehicle occupants are protected in an accident.
- National Highway Traffic Safety Administration (NHTSA): The NHTSA bases their 5-Star Safety Rating on how vehicles perform in frontal, side, and rollover crashes.
Check out the following tables to see how the Kia Forte stacks up in terms of safety—and the areas that may impact the cost of car insurance.
Insurance Institute for Highway Safety (IIHS) Rating
| Rating type | Rating |
|---|---|
Side: updated test | Poor |
Headlights (varies by trim/option) | Good/Poor depending on trim/option |
Front crash prevention: vehicle-to-vehicle | Superior |
Front crash prevention: vehicle-to-pedestrian (day) | Superior |
LATCH ease of use | Advanced |
Kia Forte safety features
Vehicles with more advanced safety features pose a lower risk to insurance providers, resulting in lower rates. Overall, the Kia Forte is a relatively safe vehicle to drive—but according to data from the IIHS, poor headlights, front crash prevention, and reminder features lowered its final score.
Here are all of the safety features included in the Kia Forte and their primary functions.
| Safety feature | Description |
|---|---|
Front-impact airbags | Front-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash. |
Side impact airbags | Side impact airbags for the front seats have been designed to protect the torso during a side impact collision. |
Stability control | Stability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle. |
Anti-lock brakes | ABS brakes automatically sense when a tire has stopped rotating under extreme braking, and will modulate the brake pressure to allow the tire to rotate.This increases the vehicles ability to turn while braking. |
Pretensioners | Seatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision. |
Overhead airbags | Overhead airbags are used to protect the occupant's heads in the event of a side collision or rollover. |
What other factors affect Kia Forte insurance rates?
- Your driver age: Drivers under 25 see higher insurance premiums, as insurance companies view their limited driving experience as a high risk. While rates drop at 25, they often increase once a driver turns 65 as a result of age-related risks.
- Your driving history and claims history: If you have a history of accidents or tickets, your insurance company will typically charge you more.
- The type of vehicle you drive: High-performance, luxury, and sports vehicles have higher collision and comprehensive coverage costs due to less available parts and higher repair costs.
Kia Forte insurance cost for young drivers
For drivers between the ages of 16 and 19, insurance costs will be much higher than for other age groups.
Teen drivers
are more likely to get into accidents, meaning they pose a higher risk to insurance companies. For similar reasons, full coverage policies offer better financial protections for teens driving a newer car.Take a look at some of the real rates teens received for their Kia Forte with Jerry.
Julia (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Colerain, NC
$599
per month
Jason (23 years old)
$267
per month
Larry (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$185
per month
Kia Forte insurance cost for senior drivers
As we age, car insurance can become more expensive again. Drivers in their mid-70s will see higher car insurance rates.
Car insurance rates for seniors
are higher for a couple of reasons; older adults are more likely to be involved in accidents and are more vulnerable to severe injuries in the event of a crash.However, senior motorists can still find cheap auto insurance quotes by shopping with Jerry.
Rosie (68 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$239
per month
Polly (65 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$156
per month
Kia Forte insurance cost for drivers with driving violations
Various driving violations can impact your insurance premiums, too. If you have a
clean driving record
, you’ll see lower premiums. If you have a history of violations, however, your insurance provider may consider you a higher risk and charge a higher rate.Some violations that can cause your insurance to increase include:
Cheapest car insurance for Kia Forte drivers with speeding tickets
Drivers with a speeding ticket can experience higher than average premiums—however, the increase will depend on how fast you were going. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit.
Several Kia Forte owners with speeding infractions have found lower rates through Jerry. Take a look at some of the recent rates drivers have achieved:
| Speeding Type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
Speeding 1-5 | KIA Forte FE | National General | $70 | Stephen, 39 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 11-15 | KIA Forte GT Line | Gainsco | $73 | Glen, 24 | • State Minimum Liability |
Speeding 16-20 | KIA Forte LX | Safeco | $90 | Lou, 64 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 21+ | KIA Forte FE | Allstate | $157 | Louise, 30 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 19, 2024Cheapest car insurance for Kia Forte drivers with a DUI record
If you have a DUI offense on your record, your car insurance rates will rise—or you may be rejected from coverage altogether. Not every provider offers insurance to drivers with a DUI as it’s seen as a very high-risk infraction.
As a result, you will need to compare rates from many insurance companies to find the best coverage after a DUI. Jerry has helped many Kia Forte drivers obtain affordable auto insurance rates after a DUI.
Elizabeth (29 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$89
per month
Minnie (41 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$232
per month
Cheapest car insurance for Kia Forte drivers after an accident
Your accident and claims history can have a huge impact on your insurance rates. For example, you could see significantly higher rates if you were recently involved in an at-fault accident.
Fortunately, Jerry has helped many Kia Forte drivers save on their car insurance following a car accident.
| Accident type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | KIA Forte FE | Allstate | $151 | Lora, 28 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | KIA Forte FE | Nationwide | $231 | Katherine, 76 Rio Rancho, NM | • State Minimum Liability • Comp / Collision |
Not At Fault | KIA Forte FE | AAA | $332 | Celia, 27 | • 25,000/50,000 Liability • Comp / Collision |
At Fault With No Injury | KIA Forte LX | Travelers | $229 | May, 24 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With Injury | KIA Forte FE | Clearcover | $175 | Myrtle, 33 | • 25,000/50,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance for Kia Forte drivers with other driving violations on their record
Your car insurance can increase after other types of driving infractions, too. Things like reckless driving or driving with a suspended license can negatively impact your premiums.
Below, you’ll find a list of other driving violations, as well as how Jerry helped Kia Forte drivers save on their car insurance:
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Illegal Turn | KIA Forte FE | Progressive | $312 | Herbert, 24 | • State Minimum Liability • Comp / Collision |
Defective Equipment | KIA Forte FE | Allstate | $394 | Frances, 24 Jackson, CA | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | KIA Forte EX | Safeco | $187 | Carolyn, 37 | • 50,000/100,000 Liability • Comp / Collision |
Wrong Way/Wrong Lane | KIA Forte FE | Bristol West | $143 | Hettie, 49 | • State Minimum Liability • Comp / Collision |
Cell Phone | KIA Forte LX | Progressive | $278 | Vera, 29 | • 15,000/30,000 Liability • Comp / Collision |
Careless Driving | KIA Forte FE | AAA | $332 | Alexander, 26 | • 25,000/50,000 Liability • Comp / Collision |
Driving on Sus. License | KIA Forte GT Line | Infinity | $175 | Gary, 24 | • State Minimum Liability |
Failure to Obey Signal | KIA Forte FE | National General | $82 | Jordan, 32 | • State Minimum Liability |
Seat Belt | KIA Forte EX | Plymouth Rock | $112 | Milton, 26 Morrisonville, NY | • State Minimum Liability • Comp / Collision |
Improper Passing | KIA Forte EX | Bristol West | $127 | Ella, 27 Harrod, OH | • State Minimum Liability |
Last Updated Nov 16, 2024Compare insurance costs for other cars
How can I lower the cost of insurance for my car?
Finding cheaper than average coverage isn’t impossible—and even once you have a lower rate, you can still save on car insurance with these tips:
- Shop around: The best way to ensure that you get the most affordable price for your policy is to compare quotes from as many insurers as possible, either with an insurance agent or a broker, like Jerry.
- Raise your deductible: If you increase yourcar insurance deductible, or the amount of money you’ll pay out-of-pocket before your insurance kicks in, your monthly rate will go down. Just make sure that you’re still able to pay your deductible in the event of an accident.
- Bundle your insurance policies: Some insurers will offer discounts when youbundle your homeowners and auto insurance.
- Research discounts: Most insurance providers offer discounts, but those discounts aren’t always advertised. Contact your current provider and ask if you’re missing out on any potential savings.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Liz Jenson
Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.
Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.