Who Has the Cheapest Los Angeles Auto Insurance for a Kia Forte?

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Finding competitive auto insurance for a Kia Forte in California depends on a very complex rating algorithm that uses multiple factors such as the age of the Forte, whether or not you have filed claims in the past, and physical damage deductibles. California drivers will pay on average $1,008 each year for Forte insurance, but that price is an estimation calculated based on a 50-year-old married female driver with full comprehensive and collision coverage and $500 deductibles.

There's a good chance you are not 50 years old and maybe not even female, single instead of married, or maybe you just want liability only instead of full coverage. Not every driver requires the same auto insurance coverages, so the way we recommend to find cheap auto insurance rates for your Kia is to compare rates from as many companies as possible.

Insure Your Kia for Less

The trim level of your vehicle tends to have a direct effect on the cost of coverage, so the rate you pay to insure a Forte LX 4-Dr Sedan model will be $240 lower than the price to insure the more costly Forte SX 2-Dr Coupe trim level, as shown below.

Kia Forte Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $214 $316 $416 $24 $124 $1,094 $91
Forte EX 4-Dr Sedan $214 $316 $416 $24 $124 $1,094 $91
Forte SX 4-Dr Sedan $242 $386 $416 $24 $124 $1,192 $99
Forte EX 2-Dr Coupe $242 $454 $470 $28 $140 $1,334 $111
Forte SX 2-Dr Coupe $242 $454 $470 $28 $140 $1,334 $111
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in vehicle location which can raise or lower insurance rates noticeably.

Finding a high-quality auto insurance provider is difficult considering how many companies sell insurance in Los Angeles. The ranking information shown below may help you pick which auto insurers to look at shopping your coverage with.

These rankings are only made up of the largest auto insurers in America, so smaller companies that only insure vehicles in California will not be included in these rankings. If you wish to compare rates and find the cheapest rates for a Kia Forte, click this link.

Top 10 Major Auto Insurers in Los Angeles Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Top 10 Major Auto Insurers in Los Angeles Ranked by A.M. Best Rating

  1. USAA - A++
  2. Travelers - A++
  3. State Farm - A++
  4. GEICO - A++
  5. Esurance - A+
  6. Nationwide - A+
  7. Allstate - A+
  8. Mercury Insurance - A+
  9. Progressive - A+
  10. Titan Insurance - A+

Full coverage versus liability-only

Saving money on auto insurance is important to the majority of vehicle owners, and one easy way to find cheaper insurance for a Kia Forte is to only buy liability insurance. The example below compares insurance costs with full coverage compared to only the California minimum liability coverage. The data assumes no claims or violations, $100 deductibles, drivers are single, and no other discounts are factored in.

As an average, comp and collision coverage costs an additional $3,444 per year over liability only. That touches on the question if you should buy full coverage. There is no written rule to stop paying for comp and collision coverage, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let's say your vehicle's replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after the deductible is paid. If premium cost is more than $200 a year to have full coverage, then you may want to consider only buying liability coverage.

There are some conditions where removing full coverage is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Impact of violations and accidents on rates in Los Angeles

In a perfect world, the ideal way to obtain good auto insurance premiums for a Forte is to drive safe and avoid traffic citations and accidents. The diagram below highlights how traffic violations and at-fault fender-benders can raise insurance prices for different age groups. The costs are based on a married female driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

The data above shows the average cost of a car insurance policy per year with no accidents or violations is $1,971. Receive one speeding ticket and the average cost swells to $2,294, an increase of $323 each year. Then add one accident along with the one speeding ticket and the annual cost of auto insurance for a Kia Forte goes up to an average of $3,191. That's an increase of $1,220, or $102 per month, just for not paying attention while driving!

The benefits of price comparisons

Los Angeles auto insurance rates are determined by lots of factors which can substantially decrease or increase the price of coverage. Improving your credit score, buying a home, or having an accident may prompt premium changes that can now make some companies cheaper than competitors. Not only may your risk profile change, but car insurance companies change the rates they charge in California without warning to adjust for heavy claims or excess profits. Heavier than normal losses may result in rate increases, while profitable underwriting may produce lower-priced Forte insurance rates.

To help illustrate this point, the bar chart below shows the companies that have the cheapest car insurance in Los Angeles, CA for a 30-year-old male driver with no accidents, a clean driving record, and excellent credit. When quoting prices based on his current risk profile, USAA quotes the best car insurance rates in Los Angeles at $1,872 annually. This is $221 more than the average rate paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA round out the rest of the cheapest Los Angeles, CA auto insurance companies.

In this next rate comparison, we will give the driver in the first chart a claim or two, less-than-perfect credit, and a few traffic violations. Because each insurer uses their own method to establish rates, analyzing rate quotes may now show a different ranking of cheap Los Angeles auto insurance companies as shown below.

Mercury now has the lowest price in Los Angeles, CA with Grange, Allstate, Allied, and Progressive completing the list. This example proves why it is critical to compare many different companies to get the most economical insurance rates for a Kia Forte.

Car insurance prices are determined by many risk factors and can increase or decrease at any time, so the best price two years ago may now be wasting a lot of money.

How to find economical car insurance for a Kia Forte

Here are some of the recommended money-saving solutions that can help drivers get cheaper coverage.

The last idea is especially significant, as we noted in this article. Auto insurance prices change frequently, so don't be tentative to switch carriers if you can save money.

Brand loyalty is not necessarily bad, but is isn't recommended if it's costing you several hundred dollars every year. Now is a great time to shop around to find cheaper insurance for a Kia Forte in Los Angeles.

The Los Angeles auto insurance agencies shown below can probably help you make a decision which car insurance policy is best, since some drivers aren't sure which coverage they need and prefer to have the advice of a professional agent when comparing insurance rates for a Kia Forte. It's not always easy to find the cheapest car insurance policy, and getting professional guidance from a licensed agent can add comfort knowing you have sufficient protection if you have a claim. To find a Los Angeles insurance agent closest to you, click the link after the list or click here to compare price quotes.

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