Wouldn’t it be so easy if we could instantly tell you the one best car insurance company that has the best insurance prices for a Kia Forte? It’s not that easy, however, as there are a whole slew of unknown elements such as what deductibles to use for physical damage coverage, if you have a clean driving record, the vehicle you are insuring, and if you own your own home. If you keep reading, we will teach you about the best ways to save on auto insurance and also should give you a solid foundation to find cheaper car insurance.
Finding dependable, low-priced insurance is confusing at best, and determining which companies offer the cheapest auto insurance rates for a Kia Forte will require even more shopping around. Each auto insurance company has a different process to determine premium rates, so let’s begin by examining the auto insurance companies with the most affordable rates in Georgia.
It’s important to understand that Georgia auto insurance rates are impacted by many factors that will increase or decrease the price you pay. Taking a driver safety course, buying a higher-value vehicle, or getting a speeding ticket may prompt premium changes that can now make some companies cheaper than competitors.
Cheap Insurance Rates for Your Forte
Rank | Company | Cost Per Year |
---|---|---|
1 | Auto-Owners | $855 |
2 | The Hartford | $895 |
3 | USAA | $1,008 |
4 | Central Mutual | $1,205 |
5 | MetLife | $1,226 |
6 | Travelers | $1,292 |
7 | Georgia Farm Bureau | $1,312 |
8 | Mercury | $1,369 |
9 | Country | $1,391 |
10 | State Farm | $1,404 |
11 | Safeco | $1,411 |
12 | Allied | $1,424 |
13 | California Casualty | $1,531 |
14 | Encompass | $1,639 |
15 | Progressive | $1,721 |
16 | Nationwide | $1,883 |
17 | Liberty Mutual | $2,044 |
18 | GEICO | $2,231 |
19 | Allstate | $2,246 |
20 | Victoria | $2,483 |
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Auto-Owners may offer some of the most affordable car insurance rates in Georgia at around $855 each year. The Hartford, USAA, Central Mutual, and MetLife also are some of the best Georgia car insurance companies.
As the rates illustrate above, if you buy coverage from Central Mutual and switched to Auto-Owners, you may realize a yearly price reduction of in the vicinity of $350. Policyholders with MetLife may save as much as $371 a year, and Travelers insureds might realize rate reductions of up to $437 a year.
To discover how much you can save, click here or visit any of the companies below.
It’s important to note that these policy rates are averaged for all ages of drivers and types of vehicles and and are not calculated with a rate decrease for a Kia Forte. So the auto insurance company that can offer you the best price may not even be in the list of companies above. That helps illustrate why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
When shopping for cheaper car insurance for a Forte, one of the many factors that influence the policy price is where you choose to live in Georgia. Areas that are more densely populated or have higher claim rates like East Point, North Atlanta, and Roswell tend to pay slightly more, whereas areas that tend to be more rural benefit from lower rates.
The following table sorts the most expensive areas in Georgia for a Kia Forte in which to purchase auto insurance.
Rank | City | Annual Rate |
---|---|---|
1 | East Point | $1,450 |
2 | Atlanta | $1,419 |
3 | North Atlanta | $1,349 |
4 | Marietta | $1,291 |
5 | Roswell | $1,272 |
6 | Sandy Springs | $1,268 |
7 | Dunwoody | $1,268 |
8 | Mableton | $1,254 |
9 | Macon | $1,253 |
10 | Alpharetta | $1,246 |
11 | Columbus | $1,243 |
12 | Smyrna | $1,242 |
13 | Savannah | $1,227 |
14 | Gainesville | $1,220 |
15 | Peachtree City | $1,204 |
16 | Augusta | $1,185 |
17 | Rome | $1,182 |
18 | Albany | $1,154 |
19 | Martinez | $1,152 |
20 | Warner Robins | $1,149 |
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Price information shown is comparative as specific Georgia garaging address can increase or decrease auto insurance rates significantly.
Buying coverage from the best car insurance company can be difficult considering how many different insurance companies sell coverage in Georgia. The company rank data listed below could help you analyze which car insurance companies to look at when trying to find the cheapest insurance for a Kia Forte. These ratings include large, nationwide insurance companies, so smaller regional companies are not factored into the list.
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
When it comes to auto insurance for a Forte, the first places to look would be Progressive, State Farm, Geico, and Allstate. They all have the same basic coverages, but each one has a distict selection of optional coverages and features that buyers can select from. The table below breaks down some of the different options that are available for customers.
Progressive | State Farm | Geico | Allstate | |
---|---|---|---|---|
Overall Satisfaction | 3rd | 4th | 1st | 2nd |
Policy Discounts | 4th | 3rd | 2nd | 1st |
Claims Service | 4th | 2nd | 3rd | 1st |
Price Ranking | 3rd | 2nd | 1st | 4th |
Amount of market share | 8.8% | 18.3% | 11.4% | 10% |
Percent of customers who recommend | 88% | 88% | 87% | 86% |
A.M. Best rating | A+ | A++ | A++ | A+ |
Standard & Poor’s rating | AA | AA | AA+ | AA- |
Emergency roadside service | Yes | Yes | Yes | Yes |
Mechanical breakdown insurance | Yes | No | Yes | No |
Uber and Lyft insurance | Yes | Yes | Yes | Yes |
Usage-based rating | Yes | Yes | No | Yes |
Accident forgiveness coverage | Yes | No | Yes | Yes |
New car replacement | No | No | No | Yes |
Coverage in Georgia | Yes | Yes | Yes | Yes |
Types of agents used | Buy online or from an independent agent | Only from State Farm agents | Both online and from Geico agents | Only buy from Allstate agents |
Number of agents | 30,000+ | 18,000+ | 150+ | 11,000+ |
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