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

Whenever people write about auto insurance, the words cheap or affordable should never appear anywhere to describe car insurance prices. The fact is, cheap auto insurance for a Kia Forte is not always easy to find. But don’t despair, because we are going to tell you how you can find coverage that won’t break your budget.

Your chances of finding affordable auto insurance for a Kia Forte in Wisconsin relies on dozens of factors like the safety rating for your Forte, your residence address, and any prior driving offenses. Wisconsin drivers on average pay approximately $530 each year for Forte insurance, but that cost is a projection based upon a 30-year-old married female driver that purchased comprehensive and collision coverage and $1,000 deductibles.

There is a good chance you’re not a 30-year-old female, maybe you are single instead of married, and you want different coverage limits than the example. Even a slight change in quote information can precipitate large changes in the cost of a policy.

Not everyone needs the same coverages, so the most reliable way to find cheap car insurance rates for your Kia is to regularly compare rates at renewal. Quotes only take a couple of minutes and you will be able to compare rates from some of the cheapest companies that insure vehicles in Wisconsin.

Compare Rates and Save

Your Kia’s trim level will likely have an effect on the annual cost of coverage, so the cost to insure a Forte LX 4-Dr Sedan model will cost $124 less than the price to insure the high end Forte SX 2-Dr Coupe trim level, as shown in the chart below.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in zip code location which can influence premium rates greatly.

Shopping around for affordable insurance is difficult, and deciding which company has the cheapest auto insurance rates for a Kia Forte will require even more shopping around. Each company uses a slightly different approach for filing rates in each state, so first let’s look at the rankings for the auto insurance companies with the overall best prices in Wisconsin.

Keep in mind that Wisconsin auto insurance rates are based on many factors that will increase or decrease the price you pay for coverage. Events such as a birthday, getting divorced, or getting a ticket for running a stop sign may cause policy rate changes that can now make some companies affordable when they were higher priced.

Find Cheaper Auto Insurance for Your Forte

Compare Rates and Save

USAA normally has some of the lowest car insurance rates in Wisconsin at around $604 per year. Partners Mutual, Rockford Mutual, Erie, and Nationwide also are some of the lowest-priced Wisconsin car insurance companies.

As the example above demonstrates, if you have coverage with Rockford Mutual and switched to USAA, you may realize an annual savings of roughly $120. Insureds with Erie might save as much as $120 a year, and Nationwide insureds might reduce rates by $141 a year.

If you want to find out if you’re overpaying, click here or click several companies below for low rates.

These policy rates are averaged across all insureds and vehicles and are not factoring in a specific rating modification for a Kia Forte. So the insurer that is most affordable for your situation may not even be featured in the chart above. That point stresses why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

Liability-only versus full coverage

Finding cheap insurance for a Kia Forte in Wisconsin is probably important to most people, and a great way to pay less for insurance is to buy liability only. The information below shows the comparison of yearly insurance costs with full coverage and liability only. The data is based on no claims or driving violations, $100 deductibles, single status, and no policy discounts are applied.

If averaged for all ages, comprehensive and collision coverage on your policy costs an extra $1,454 per year more than just insuring for liability. That may make you wonder if buying full coverage is a good investment. There is no exact formula for dropping comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

State Farm, Geico, Allstate, and Progressive: Who is cheapest?

When buying car insurance, four companies you’ll want quotes from are State Farm, Geico, Allstate, and Progressive. Between them, they insure nearly half of all auto insurance policies in force. The following table rates some of the different options and features shoppers can expect to find with each one.

Find cheap insurance for a Kia Forte in Wisconsin

It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching solutions that can help you get the cheapest coverage.

• Save money by only buying liability coverage for older vehicles
• Higher deductibles mean lower rates
• Drive attentively and avoid accidents
• Claim-free drivers earn discounts
• Be a cautious driver
• Ensure you have the best deal by shopping around regularly

The last idea is notably vital, as we emphasized in this article. Auto insurance rates in Wisconsin go up and down frequently, so don’t be tentative to change to a new company if a more affordable rate is found. Brand loyalty is not necessarily bad, but we do not recommend it if that loyalty results in overpaying hundreds of dollars year after year. It only takes a couple minutes to compare rates to find cheaper insurance for a Kia Forte.