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

Anytime the topic is auto insurance, the words “affordable” or “cheap” should never be used as a descriptor for car insurance rates. Despite the oxymoron, cheap car insurance for a Kia Forte just does not exist. But don’t let that discourage you, because we will tell you how you can still get car insurance that is easier on your budget.

The chances of buying cheap car insurance for a Kia Forte in Arizona is dependent upon a complex formula that factors things like whether you are single or married, whether or not you garage your vehicle, and your motor vehicle report. Drivers will pay on average $600 each year to insure their Forte, but that cost is a projection that uses rate data for a 50-year-old married female driver that wants both comprehensive and collision coverage and $1,000 policy deductibles.

If we were betting, you are not 50 years old and maybe not even female, you might be single instead of married, or you need different deductibles. Just a slight difference in rating criteria or coverage limits may result in significant differences in the cost of a policy.

There is no “one size fits all” policy, so the only real way to find the cheapest rates for your Kia is to just take the time to compare rates yourself.

Compare Kia Forte Insurance Rates

The specific model of Forte has an effect on the coverage cost, so the cost to insure a Forte LX 4-Dr Sedan will cost $136 less than the cost to insure the higher-priced Forte SX 2-Dr Coupe model, as demonstrated by the prices below.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can alter premiums noticeably.

Determining which insurers offer the best insurance rates for a Kia Forte will require a little more sweat than just comparing a company or two. Every car insurance company has their own process to set policy rates, so let’s examine the insurance companies with the overall cheapest rates in Arizona.

We do need to point out that Arizona insurance rates are influenced by many factors that can increase the cost of your policy. Simply having another birthday, increasing deductibles, or getting a ticket for running a stop sign can cause premium changes resulting in some rates now being cheaper than competitors.

Find the Cheapest Car Insurance for Your Forte

Compare Rates and Save

The Hartford has some of the lowest car insurance rates in Arizona at around $845 annually. Safeco, Auto-Owners, USAA, and Progressive also are some of the cheaper Arizona car insurance companies.

In the above example, if you buy coverage from USAA and switched to The Hartford, you could earn annual savings of about $246. Drivers with Progressive could save as much as $273 a year, and Travelers policyholders might realize rate reductions of up to $274 a year.

Understand that those policy rates are averages across all types of insureds and vehicles and do not factor in a specific rate factor for a Kia Forte. So the company that fits your situation best may not even be featured in the above list. That’s why you need to get rate quotes using your own driver data and vehicle information.

How much more does full coverage cost?

Finding cheap insurance for a Kia Forte in Arizona is the goal of most vehicle owners, and one way to reduce the cost of insurance is to buy liability only. The illustration below illustrates the difference between insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The price estimates are based on no claims or driving violations, $100 deductibles, single marital status, and no discounts are taken into consideration.

Averaged for all age groups, full coverage costs $1,888 per year more than just buying liability only. Many drivers will wonder if buying full coverage is worth the expense. There is no set guideline of when to exclude comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s assume your vehicle’s book value is $7,500 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $6,500 after paying your policy deductible. If you are paying over $650 a year to have full coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where eliminating full coverage is not recommended. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not buy liability only.

Discounts on cheap insurance for a Kia Forte in Arizona

Car insurance companies that offer coverage for a Kia Forte may also offer special discounts that can reduce rates by as much as 35% or more if you are eligible. The best insurance companies and some of the premium reductions they offer include:

The diagram below shows the difference between auto insurance rates with and without discounts being applied to the rates. The costs are based on a male driver, no accidents or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with vehicle safety, claim-free, multiple policy, passive restraint, multiple vehicle, and safe-driver discounts applied. When discounts are factored in, the average amount saved each year on insurance for a Kia Forte is % or $.

Which auto insurance company is best?

If you are looking for the best insurance for a Forte in Arizona, the first places to look would be State Farm, Allstate, Geico, and Progressive. Combined they insure 48.5% of the entire U.S. car insurance market. They all offer unique coverages that you can choose from. The next table compares price, claims, and customer service ratings, as well as some optional coverages shoppers can find with each company.