Buying competitive car insurance for a Kia Forte in Texas hinges on a lot of things such as how many years you have been driving, if you are a frequent claim filer, and driving violations and tickets. Texas drivers pay around $1,310 a year for Forte insurance, but that price is a projection using a 30-year-old single male driver with full comprehensive and collision coverage and $250 deductibles.
But there is a high probability that you are not 30 years old and maybe not even male, possibly married instead of single, and maybe your Forte is older and does not require full coverage. This illustrates why the only real way to find cheap insurance prices for your Kia is to just compare rates yourself. To cut your rates now, get a free quote and you will receive rate quotes from the best companies that offer coverage in Texas.
Find Cheaper Kia Forte Insurance
The trim level of your vehicle tends to have a direct effect on the insurance rate, so the rate you pay to insure a Forte LX 4-Dr Sedan trim level will be $304 cheaper than the cost to insure the higher-priced Forte SX 2-Dr Coupe version, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $336 | $408 | $500 | $30 | $150 | $1,424 | $119 |
| Forte EX 4-Dr Sedan | $336 | $408 | $500 | $30 | $150 | $1,424 | $119 |
| Forte SX 4-Dr Sedan | $378 | $496 | $500 | $30 | $150 | $1,554 | $130 |
| Forte EX 2-Dr Coupe | $378 | $584 | $564 | $34 | $168 | $1,728 | $144 |
| Forte SX 2-Dr Coupe | $378 | $584 | $564 | $34 | $168 | $1,728 | $144 |
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in vehicle location which can alter premium rates considerably.
Deciphering which company has the cheapest auto insurance rates for a Kia Forte requires more time than just comparing rates from one or two companies. Every insurance company uses a slightly different approach to set premium rates, so we need to take a look at the auto insurance companies that tend to be cheaper in Texas.
It’s a good idea to be aware that Texas auto insurance rates are calculated based on many things that will increase or decrease the price you pay for coverage. Simply having another birthday, buying higher coverage limits, or getting a speeding ticket may generate price changes that can make some companies cheaper than competitors.
Best Cheap Insurance Rates for Your Forte
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,282 |
| 5 | Esurance | $1,407 |
| 6 | California Casualty | $1,438 |
| 7 | Mercury | $1,476 |
| 8 | State Farm | $1,510 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,600 |
| 11 | Progressive | $1,698 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,723 |
| 14 | GEICO | $2,135 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,249 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,568 |
| Quote Your Rates Go | ||
Travelers may have some of the best car insurance rates in Lubbock at around $1,041 annually. This is $863 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the more affordable Lubbock, TX auto insurance companies.
In the above rates, if you are currently insured with Esurance and switched to USAA, you might realize an annual savings of in the neighborhood of $279. Policyholders with California Casualty may save as much as $310 a year, and Mercury customers might reduce prices by as much as $348 a year.
If you want to see how much you could save, click here to start your custom quote or visit several of the following companies.
Be aware that those rates are averages for all drivers and vehicles and and are not calculated with a specific vehicle garaging location for a Kia Forte. So the insurer that fits your situation best may not even be in the top 23 companies in the list above. That illustrates why you need to get rate quotes using your own specific driver information and vehicle.
The chart below demonstrates how deductibles can change yearly insurance costs when searching for cheap insurance for a Kia Forte. The data is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
As shown above, a 50-year-old driver could lower their policy premium by $314 a year by increasing from a $100 deductible to a $500 deductible, or save $476 by using a $1,000 deductible. Young drivers, like the age 20 example, could reduce their rates up to $792 or even more just by choosing larger deductibles. If you make the decision to raise deductibles, it’s a good idea to have plenty of discretionary funds to pay the extra out-of-pocket expense that comes with higher deductibles.
Difference between liability only and full coverage rates
Paying a lower price for auto insurance is the goal of the majority of drivers, and one of the quickest ways to buy cheaper insurance for a Kia Forte is to not pay for full coverage. The illustration below visualizes the comparison of auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The premiums are based on no claims or violations, $1,000 deductibles, drivers are single, and no discounts are applied.
As an average for all age groups, full coverage costs an additional $1,919 per year over and above liability coverage. That may make you wonder if buying full coverage is a good investment. There is no set guideline for excluding physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.
There are a few cases where only buying liability is not financially feasible. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.
The insurance agents in Lubbock listed below can answer your questions and help you decide which policy fits your needs best, as some drivers have questions and prefer to get some guidance when trying to find the best insurance rates for a Kia Forte. It can be time-consuming to find the cheapest car insurance policy, so getting professional guidance from a licensed agent can add satisfaction knowing you have enough protection. To find a Lubbock insurance agent close to you, click the button following the list or click here to get price quotes now.
- The Shropshire Agency, Inc.
5812 66th St – Lubbock, TX 79424 – (806) 763-7311 - Budget Insurance Agency
2508 Auburn St – Lubbock, TX 79415 – (806) 749-8600 - Farmers Insurance
3206 34th St – Lubbock, TX 79410 – (806) 791-2892 - Cam Fannin Insurance
1810 50th St – Lubbock, TX 79412 – (806) 747-4422
More Lubbock, TX insurance agents
How to find the cheapest car insurance for a Kia Forte
It’s not impossible to find cheaper rates, and here are some of the better thrifty suggestions that can help drivers quote low-cost car insurance.
- Increase the comprehensive and collision deductibles on your policy
- Full coverage may not be needed on older vehicles
- Buy a vehicle with excellent safety ratings
- Frequent claims will increase rates
- Save money by bundling your home and auto policies
- Improve your credit score
- Compare quotes from other companies often
The last item on the list is extraordinarily valuable, as was pointed out in the prior information. Auto insurance rates can change significantly in a year, so don’t be hesitant to switch companies if a cheaper price is available. Brand loyalty is great, but is isn’t recommended if that devotion results in you overpaying a considerable chunk of change every month. If you have a few minutes, shop around to find cheaper insurance for a Kia Forte in Lubbock.