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

When talking about car insurance, the words cheap or affordable should not be used as a descriptor for car insurance rates. The fact is, cheap car insurance for a Kia Forte can be hard to find. Don’t let that spoil your day, because we are going to show you some ways you can still get car insurance that is affordable.

Buying the cheapest car insurance for a Kia Forte in Iowa relies on a lot of things such as driver age, your address, and any prior driving citations you have received. Iowa drivers on average pay approximately $760 a year to insure their Forte, but that is a ballpark figure rating a 50-year-old single male driver that includes full comprehensive and collision coverage and $250 deductibles.

There is a high likelihood that you may not be 50 years old (or even male), you might be married instead of single, or maybe you just want different deductibles. Have just a small change in the factors used to determine rates may result in significant differences in the coverage rate.

Everyone has unique insurance needs, and this illustrates why the way we recommend to find cheap insurance prices for your Kia is to compare as many rates as you can.

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The specific trim level will have an impact the insurance rate, so the price you pay to insure a Forte LX 4-Dr Sedan model will be $190 less than the insurance cost for the more well-appointed Forte SX 2-Dr Coupe trim level, as shown in the chart below.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Iowa minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in Iowa location which can change prices greatly.

Iowa car insurance company ratings

Picking a highly-rated insurance company can be challenging considering how many companies are available to choose from in Iowa. The ranking information in the lists below can help you pick which auto insurance companies to look at comparing prices from. The ratings below only include companies that write coverage in many states, so companies that only write business in Iowa or surrounding areas are not included in the list.

Top 10 Large Auto Insurers in Iowa Ranked by A.M. Best Rating

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

Top 10 Large Auto Insurers in Iowa Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. Safeco Insurance
8. GEICO
9. Esurance
10. The General

Top Companies for Kia Forte Insurance in Iowa

The information below demonstrates how deductibles can change annual premium costs when getting quotes for cheap insurance for a Kia Forte. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

A 40-year-old driver could lower their car insurance rates by $206 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $314 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, can save up to $518 every year just by choosing higher deductibles.

When using a larger deductible, it is a good idea to have spare funds to allow you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Accidents and violations increase rates

The obvious way to find affordable car insurance premiums for a Forte is to be a good driver and not have accidents or get tickets. The information below shows how speeding tickets and at-fault accidents drive up premium costs for different ages of insureds. The costs are based on a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

In the previous example, the average cost of a car insurance policy in Iowa per year with no violations or accidents is $1,252. Get written up for one speeding ticket and the average cost jumps to $1,420, an increase of $168 each year. Now get one accident along with the one speeding ticket and the yearly cost of car insurance for a Kia Forte goes up to an average of $1,875. That’s an increase of $624, or $52 per month, just for being a little careless behind the wheel!