Who Has Cheap Insurance Quotes for a Kia Forte in Maryland?

Our editors keep telling us that when writing about auto insurance, the words “cheap” or “affordable” should not be used anywhere to describe car insurance prices. Despite the oxymoron, cheap car insurance for a Kia Forte can be hard to find. But don’t despair, because we will show you how you can find auto insurance that is easier on your budget.

The likelihood of finding the best cheap coverage for a Kia Forte in Maryland depends on a complicated equation that takes into consideration things such as the safety rating of your vehicle, where your vehicle is garaged, and deductible levels for physical damage coverage. Maryland drivers will pay around $1,180 annually for Forte insurance, but that figure is a valuation based on rate data for a 40-year-old married female who requires full coverage and $250 physical damage deductibles.

It’s highly likely that you aren’t exactly 40 years old or even a female, maybe you are single instead of married, and maybe your Forte just needs liability-only coverage. Every driver has different characteristics, so the only way to find cheap insurance rates for your Kia is to put in the effort to do a thorough rate comparison. Quotes are always free and you can get prices from the best auto insurance companies that insure Kia vehicles in Maryland.

View Kia Forte Insurance Rates

Vehicle trim level has an effect on the cost of insurance, so the price you will pay to insure a Forte LX 4-Dr Sedan model will be $292 lower than the cost to insure the fancier Forte SX 2-Dr Coupe model, as demonstrated by the prices below.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle garaging location which can alter rates considerably.

Deciphering which company has the cheapest insurance rates for a Kia Forte calls for a little more work in order to find the most economical policy. Each auto insurance company has a proprietary method to set policy rates, so we’ll go over the insurance companies with the overall cheapest rates in Maryland.

Best Insurance Companies for Your Forte

Click Here to Start Your Quote

USAA may offer some of the best car insurance rates in Maryland at around $920 each year. Liberty Mutual, Penn National, Erie, and State Auto would also make the list of some of the most economical Maryland insurance companies.

As shown in the table above, if you currently have coverage with Penn National and switched to USAA, you could earn a yearly savings of approxmiately $173. Insureds with Erie may save as much as $241 a year, and State Auto customers might reduce rates by $258 a year.

To find cheap insurance for a Kia Forte in Maryland, click here to begin a quote or visit any of the low-priced companies below.

Remember that these policy prices are averages across all drivers and vehicles in Maryland and are not factoring in a specific rating modification for a Kia Forte. So the company that can offer you the best rate may not even be included in the list above. That is why you need to quote rates from as many companies as possible using your own individual information.

Bad driving habits will cost you more

One of the best ways to score good insurance premiums for a Forte is to be a good driver and avoid traffic citations and accidents. The example below shows how violations and at-fault fender-benders can drive up auto insurance rates for different age groups of insureds. The prices are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2905,3553,6223],[‘Age 30’, 1967,2613,5289],[‘Age 40’, 1835,2487,5159],[‘Age 50’, 1607,2257,4931],[‘Age 60’, 1555,2203,4877],[‘Age 70’, 1831,2483,5153]]);var options = {title: ‘Effect of Tickets and Accidents on Maryland Kia Forte Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Kia Forte in Maryland’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of a car insurance policy in Maryland per year with no accidents and a clean driving record is $1,950. Receive two speeding tickets and the average cost surges to $2,599, an increase of $649 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of insurance for a Kia Forte jumps again to an average of $5,272. That’s an increase of $3,322, or $277 per month, just for being a less-than-perfect driver!

Types of discounts on Maryland auto insurance rates

Insurance companies that sell cheap insurance for a Kia Forte in Maryland may also give you premium discounts that can reduce rates by 30% or more if you are eligible to receive them. The best insurance companies and some of the discounts are outlined below.

The diagram below illustrates the comparison of annual premium costs with and without discounts. The data assumes a female driver, no violations or accidents, Maryland state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with defensive driving course, passive restraint, marriage, multiple policy, anti-theft, and claim-free discounts applied. When discounts are factored in, the the average yearly reduction on insurance for a Kia Forte is 16% or $272.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2905,2087],[‘Age 30’, 1967,1421],[‘Age 40’, 1835,1329],[‘Age 50’, 1607,1163],[‘Age 60’, 1555,1123],[‘Age 70’, 1831,1317]]);var options = {title: ‘Insurance Rate Comparison for a Kia Forte’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Kia Forte’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

State Farm vs Allstate vs Geico vs Progressive

If you’re looking for the cheapest insurance for a Forte, the companies with the most market share are State Farm, Allstate, Geico, and Progressive. The table below compares price and claims rank as well as some different options offered by each company.

Who has the cheapest Kia Forte insurance quotes?

Consumers have many ways to purchase insurance in Maryland, but the most popular ways are using an independent insurance agent, a captive (or exclusive) agent such as Liberty Mutual or Allstate, or direct from companies such as Geico or Progressive.

You can use whichever you prefer, but they differ slightly in how they give price quotes.

Independent agencies have contracts with many companies and can quote your policy with all of them. Independent agents are not locked into one company and can quote rates with many companies, which may give you a better chance of saving money. If the agent locates a cheaper price, it’s simple to move the policy and you stay with the same agent.

An agent who is captive is contracted to a single company, examples being an Allstate or State Farm agent. These agents usually cannot quote rates from more than one company, which does not give you the best rate comparison.

The third popular method of shopping for insurance is direct, which means you skip the middleman (the agent) and instead shop direct online or over the phone from a company like Progressive or Geico. Buying insurance direct can be good for drivers who have fewer assets and know what specific coverages they need.

Which method is best for finding cheap insurance for a Kia Forte in Maryland? The quick answer would be shopping direct results in the best prices since there is no middleman, but unfortunately, it’s not that simple. We could also say that going through an independent agent is the best way due to having more companies to select from, but again, it’s not a sure thing. In many cases, exclusive agents have price quotes that are the cheapest in Maryland.

Since insurance companies use so many rating factors, the guaranteed way to not overpay for insurance is to do a thorough rate comparison. Experts recommend getting prices from all three in order to be able to find the lowest price. For a list of companies with online discounts, click here to view.