What Car Insurance is Cheapest for a Kia Forte in Virginia Beach?

Buying economical insurance for a Kia Forte is pretty straightforward, but it relies on an enormous amount of factors such as whether you use your Forte for business use, the likelihood of vehicle theft, and driving violations and tickets. Virginia drivers will pay around $692 annually for Forte insurance, but that cost is based on a 50-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not 50 and maybe not even a female, married instead of single, or maybe you rent instead of own your home. The different assumptions illustrate why the way we recommend to find affordable rates for your Kia is to do the rate comparisons yourself. It’s really quite easy you can get prices from the best companies in Virginia.

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The trim level of your vehicle will likely have an effect on the cost of coverage, so the price you will pay to insure a Forte LX 4-Dr Sedan trim level will be $160 less than the cost to insure the higher-priced Forte SX 2-Dr Coupe version, as shown in the chart below.

Kia Forte Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $140 $218 $290 $18 $88 $754 $63
Forte EX 4-Dr Sedan $140 $218 $290 $18 $88 $754 $63
Forte SX 4-Dr Sedan $156 $264 $290 $18 $88 $816 $68
Forte EX 2-Dr Coupe $156 $312 $328 $20 $98 $914 $76
Forte SX 2-Dr Coupe $156 $312 $328 $20 $98 $914 $76
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price information does not factor in specific Virginia Beach garaging location which can modify rates considerably.

Deciphering which company quotes the lowest-priced auto insurance rates for a Kia Forte calls for a little more sweat in order to find the lowest price quote. Each insurance company has a unique approach to determine rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Virginia.

It’s a good idea to be aware that Virginia Beach auto insurance rates are based on many factors that will increase or decrease the price of your policy. Improving your credit rating, increasing liability limits, or getting a ticket for careless driving can trigger changes in premium that can now make some companies cheaper in comparison to the competition.

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Travelers has some of the most affordable car insurance rates in Virginia Beach at around $673 per year. USAA, Penn National, Cincinnati Insurance, and The Hartford also qualify as some of the most economical Virginia Beach, VA insurance companies.

In the above rates, if you are currently insured with Penn National and switched to Travelers, you may realize yearly savings of upwards of $53. Drivers with Cincinnati Insurance may save as much as $60 a year, and The Hartford policyholders might cut rates by $112 a year.

These rates are averages across all types of insureds and vehicles and are not factoring in an exact vehicle garaging location for a Kia Forte. So the car insurance company that can offer you the lowest price may not even be in the top 30 companies in the list above. That’s why you need to compare rates from multiple companies using your own specific driver and vehicle information.

Drive responsibly or pay higher rates

The obvious way to find cheap auto insurance rates in Virginia for a Forte is to drive safely and avoid traffic citations and accidents. The diagram below demonstrates how citations and at-fault claims can influence yearly insurance costs for each different age group. The data is based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

The data charted above shows the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,571. Factor in two speeding tickets and the average cost swells to $2,100, an increase of $530 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Kia Forte goes up to an average of $4,156. That’s an increase of $2,585, or $215 per month, just for not keeping your driving record clean!

Why are you paying too much for Forte insurance?

Virginia Beach auto insurance rates are impacted by many factors which can significantly increase or decrease your annual premium. Simply getting older, buying a home, or getting a DUI may cause policy rate changes resulting in some companies being cheaper in comparison to the competition.

And not only may your rating factors change, but companies modify rates every year in order to be able to pay unexpected claims. Heavier than normal losses can result in higher rates, while lower claim levels can result in cheaper Forte insurance rates.

As an example, the data below compares the cheapest car insurance in Virginia Beach, VA for a 45-year-old female driver with no accidents or violations, and excellent credit. Based on her personal risk profile, Travelers quotes the cheapest car insurance rates in Virginia Beach at $831 per year. This is $327 less than the average premium paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Auto-Owners are also on the list of the cheapest Virginia Beach, VA auto insurance companies.

In the next rate comparison, we’ll give the driver from the first set of rates an accident surcharge, a lower credit rating, and a few blemishes on her driving record. Due to the fact that every insurance company uses their own formula for determining rates, analyzing rate quotes will most likely result in a slightly different list of affordable companies as shown below.

The Hartford now has the best car insurance rate in Virginia Beach, VA with Erie, Virginia Farm Bureau, Donegal Mutual, and Nationwide now rounding out the top five. This illustrates why drivers need to compare as many rates as possible when trying to get the most affordable car insurance rates for a Kia Forte. Insurance prices can be altered by many things and can decrease or increase without notice, so the most affordable company when you last compared rates may now be priced much higher than other options.