How Much Does Insurance Cost for a Kia Forte in Utah?

How Much Does Insurance Cost for a Kia Forte in Utah?

When the topic is auto insurance, the word “cheap” really should not be used as a descriptor for auto insurance rates. Please forgive the oxymoron, but cheap car insurance for a Kia Forte does not exist. Don’t let that ruin your day, because we will teach you how you can still find auto insurance that won’t break the bank.

The odds of finding the best cheap coverage for a Kia Forte in Utah depends upon a complex formula that factors things such as how safe your vehicle is, if you have a lapse in coverage, and any driving offenses on your record. Utah drivers on average pay approximately $790 each year to buy Kia Forte insurance, but that figure is a ballpark figure using rate data for a 30-year-old married male driver that includes both comprehensive and collision coverage and $250 deductibles.

It’s highly likely you are not 30 and possibly not even male, possibly single instead of married, and you need different coverage limits than the sample rates. This demonstrates why the most reliable way to find cheap insurance prices for your Kia is to make a habit of comparing prices at least once a year.

Save Now on Forte Insurance

Vehicle trim level impacts price, so the cost to insure a Forte LX 4-Dr Sedan trim level will be $198 less than the insurance cost for the higher-end Forte SX 2-Dr Coupe trim level, as demonstrated by the prices below.

Kia Forte Insurance Rates in Utah
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $206 $286 $268 $16 $80 $856 $71
Forte EX 4-Dr Sedan $206 $286 $268 $16 $80 $856 $71
Forte SX 4-Dr Sedan $234 $348 $268 $16 $80 $946 $79
Forte EX 2-Dr Coupe $234 $410 $302 $18 $90 $1,054 $88
Forte SX 2-Dr Coupe $234 $410 $302 $18 $90 $1,054 $88
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Utah minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in specific location which can decrease or increase rates significantly.

Selecting a highly-rated insurance provider can be a challenge considering how many choices drivers have in Utah. The company ratings in the next section may help you pick which auto insurers you want to consider purchasing a policy from. These ratings are for the largest auto insurers in America, so companies that have a smaller presence are not included in this list.

Top Auto Insurance Companies in Utah
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Auto insurance rates are higher with tickets and accidents

The obvious way to find affordable auto insurance prices for a Forte is to pay attention while driving and avoid accidents and violations. The chart below demonstrates how traffic citations and accident claims can influence car insurance rates for different insured age categories. The information is based on a single female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

In the chart above, the average cost of a car insurance policy per year with no accidents or violations is $1,604. Get one speeding ticket and the average cost hikes up to $1,817, an increase of $213 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for a Kia Forte jumps again to an average of $2,408. That’s an increase of $804, or $67 per month, just for not keeping your driving record clean!

Who is cheaper: Allstate, Geico, Progressive, or State Farm?

If you are looking for the best insurance for a Forte in Utah, the companies with the most market share are Allstate, Geico, Progressive, and State Farm. The following table compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages that may be available in Utah.

Auto Insurance Company Comparison
Allstate Geico Progressive State Farm
Client Satisfaction 2nd 1st 3rd 4th
Price Ranking 4th 1st 3rd 2nd
Claims Handling 1st 3rd 4th 2nd
Discounts Available 1st 2nd 4th 3rd
Amount of market share 10% 11.4% 8.8% 18.3%
Customers who recommend 86% 87% 88% 88%
Rating based on usage Yes No Yes Yes
Accident forgiveness Yes Yes Yes No
Breakdown insurance No Yes Yes No
Coverage for ridesharing Yes Yes Yes Yes
New car replacement insurance Yes No No No
Emergency roadside assistance Yes Yes Yes Yes
Where to buy Allstate exclusive agents Both online and from Geico agents Indpendent agents or online Can only buy from State Farm agents
Number of agents 11,000+ 150+ 30,000+ 18,000+
Get Quotes Go

Tips to find cheaper auto insurance for a Kia Forte

It is possible to find better rates, and here are some penny-pinching ideas that can help drivers quote low-cost coverage.

  • Do not get into accidents
  • Do not waste money insuring older vehicles for full coverage
  • Do not file small claims
  • Avoid getting citations and tickets
  • Increase the comprehensive and collision deductibles on your policy
  • Compare price quotes at least once a year

That final tip is certainly valuable, as was stressed in this piece. Prices charged by companies in Utah can be changed at any time, so you should be ready to buy from a new company if a better rate can be found. Many drivers have brand loyalty and that’s fine, but it’s not recommended if that loyalty results in overpaying a considerable chunk of change every month. It takes less than five minutes to compare prices and find cheaper insurance for a Kia Forte.