Who Has the Cheapest Insurance for a Kia Forte in Ohio?

Your odds of finding the cheapest auto insurance for a Kia Forte in Ohio is contingent on a calculation that uses factors such as your age, the likelihood of vehicle theft, and any driving offenses on your record. Drivers in Ohio on average pay around $680 every 12 months for Forte insurance, but that price is a ballpark figure calculated using a 40-year-old single male driver who requires full coverage including both comprehensive and collision and $500 policy deductibles.

There is a high likelihood that you are not 40 years old and maybe not even male, married instead of single, and you probably do not live in the same zip code as the example. There is no perfect policy for every driver, so your best shot at finding cheap insurance rates for your Kia is to get into the habit of comparing rates once a year. It takes less than five minutes and you will be able to compare rates from some of the cheapest companies that insure Kia vehicles in Ohio.

Compare Kia Forte Insurance Rates

The trim level of your Kia will likely have an effect on the yearly cost, so the price you will pay to insure a Forte LX 4-Dr Sedan model will be $162 less than the price to insure the more costly Forte SX 2-Dr Coupe trim level, as shown by the rates below.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in garaging location in Ohio which can lower or raise price quotes greatly.

Selecting a highly-rated car insurance provider is hard considering how many companies sell insurance in Ohio. The rank data in the lists below can help you analyze which insurers to look at when looking for cheaper rates. The ratings below are for companies that write coverage in many states, so smaller companies that only insure vehicles in Ohio are not included in these rankings.

Top 10 Large Auto Insurance Companies in Ohio Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Progressive – A+
7. Erie Insurance – A+
8. The Hartford – A+
9. Nationwide – A+
10. Esurance – A+

Top Companies for Kia Forte Insurance in Ohio

Discounts on the cheapest insurance for a Kia Forte in Ohio

Insurance providers that provide policies for a Kia Forte may also offer price discounts that can lower rates by 40% or more if you are eligible. A few of the larger companies and the discounts they provide can be found below.

The information below illustrates the difference between auto insurance costs with and without discounts applied to the rates. Data assumes a female driver, no claims, a clean driving record, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multiple policy, claim-free, accident-free, passive restraint, and vehicle safety discounts applied. With discounts applied, the average savings per year on insurance for a Kia Forte is 13% or $189.

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Bad driving habits will cost you more

The easiest method to earn affordable insurance premiums for a Forte is to be an attentive driver and avoid traffic citations and accidents. The example below demonstrates how traffic citations and at-fault collisions can impact insurance costs for different age categories. The data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 1531,1867,2203],[‘Age 30’, 1035,1369,1703],[‘Age 40’, 967,1303,1641],[‘Age 50’, 849,1185,1519],[‘Age 60’, 823,1157,1493],[‘Age 70’, 967,1303,1639]]);var options = {title: ‘Effect of Violations and Accidents on Ohio Kia Forte Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Kia Forte in Ohio’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of car insurance per year with no violations or accidents is $1,029. Add in two speeding tickets and the average cost rises to $1,364, an increase of $335 each year. Now add one accident along with the two speeding tickets and the annual cost of insurance for a Kia Forte jumps again to an average of $1,700. That’s an increase of $671, or $56 per month, just for not driving safely!

Best rates: Geico, State Farm, Progressive, or Allstate

When comparing rates for insurance for a Forte in Ohio, some of the largest companies to start with are Geico, State Farm, Progressive, and Allstate. If you add them together, they insure almost 50% of the entire U.S. market share. All of them have unique coverages that shoppers can choose from. The data below shows some of the ratings and options you can buy with each company.