Who Has the Cheapest Auto Insurance Rates for a Kia Forte in Jacksonville?

Buying cheap coverage for a Kia Forte doesn’t take too much effort, but it depends on a lot of things such as how many years you have been driving, what you do for a living, and if you have a history of accidents. Florida drivers will pay on average $1,255 per year to insure their Forte, but that is an approximation based upon a 50-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.

Odds are that you aren’t exactly 50 years old or even a female, maybe you are married instead of single, and maybe you want different deductibles. The different assumptions illustrate why the only way to find cheap car insurance rates for your Kia is to do a thorough rate comparison. Get your free quotes now and you will receive price comparisons from some of the best companies around.

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Vehicle trim level will most likely have an effect on the yearly cost, so the price you pay to insure a Forte LX 4-Dr Sedan model will cost $306 less than the cost to insure the more costly Forte SX 2-Dr Coupe version, as shown in the prices below.

Kia Forte Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $278 $438 $472 $28 $142 $1,358 $113
Forte EX 4-Dr Sedan $278 $438 $472 $28 $142 $1,358 $113
Forte SX 4-Dr Sedan $312 $532 $472 $28 $142 $1,486 $124
Forte EX 2-Dr Coupe $312 $628 $532 $32 $160 $1,664 $139
Forte SX 2-Dr Coupe $312 $628 $532 $32 $160 $1,664 $139
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Price estimates do not factor in specific zip code location which can affect coverage rates greatly.

Ending up with a high-quality insurance company can be challenging considering how many companies there are to choose from in Florida. The company ratings in the lists below can help you select which auto insurance companies to look at buying from.

These rankings include the largest auto insurers in America, so companies that have a smaller presence are not included in this list. To check prices from these and other competitive companies, simply click here.

Jacksonville, FL Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
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Data Source: Insure.com Best Car Insurance Companies

Full coverage versus liability-only

Finding the cheapest insurance is important to the majority of people, and one of the fastest ways to find cheaper insurance for a Kia Forte is to only buy liability coverage. The illustration below illustrates the difference between annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on a clean driving record, no claims, $100 deductibles, single marital status, and no discounts are applied to the premium.

As an overall average, full coverage on your policy costs an additional $3,253 per year more than just buying liability insurance. That may make you wonder when is the right time to remove full coverage. There is no exact rule that is best for determining when to drop full coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then you might consider buying liability only.

The illustration below shows how different deductible levels can affect insurance costs when getting quotes for cheap insurance for a Kia Forte. The premium estimates are based on a married female driver, full coverage, and no discounts are factored in.

The data above shows that a 50-year-old driver could lower their policy premium by $298 a year by switching from a $100 deductible to a $500 deductible, or save $452 by switching to a $1,000 deductible. Young drivers, like the Age 20 chart data, could lower their rates $740 or more just by choosing higher deductibles.

When choosing a higher deductible, it will be necessary to have additional savings on hand to allow you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Discount Jacksonville insurance rates

Insurance for a Forte in Jacksonville, FLCar insurance companies that provide policies for a Kia Forte may also offer policy discounts that could potentially reduce rates by 40% or more if you qualify for them. Larger insurance companies and their possible discounts include:

The diagram below compares auto insurance costs with and without some available policy discounts. The rate quotes are based on a female driver, no accidents or driving violations, Florida state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with safe-driver, anti-theft, homeowner, vehicle safety, marriage, and passive restraint discounts applied. With discounts applied, the average savings per year on insurance for a Kia Forte is 28% or $635.