Who Has Affordable Irvine Auto Insurance for a Kia Forte?

Buying affordable auto insurance for a Kia Forte in California depends on a lot of rating criteria such as how long your commute is, whether you are claim-free, and any prior driving offenses. Drivers in California pay around $1,640 each year for Forte insurance, but that cost is an estimation calculated based on a 30-year-old single female driver with full physical damage coverage and $250 deductibles.

But there is a high likelihood that you aren’t exactly 30 years old or even a female, married instead of single, or maybe you’re a renter instead of a homeowner. Just a minor difference in the criteria used to calculate rates can result in a massive change in the policy cost.

This shows why the only real way to find the cheapest coverage for your Kia is to just take the time to compare rates yourself.

Insure Your Kia for Less

The trim level of your Kia can impact the coverage cost, so the price you will be charged to insure a Forte LX 4-Dr Sedan trim level will be $408 less expensive the cost to insure the higher-priced Forte SX 2-Dr Coupe model, as shown below.

Kia Forte Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $378 $582 $596 $36 $178 $1,770 $148
Forte EX 4-Dr Sedan $378 $582 $596 $36 $178 $1,770 $148
Forte SX 4-Dr Sedan $428 $708 $596 $36 $178 $1,946 $162
Forte EX 2-Dr Coupe $428 $834 $674 $40 $202 $2,178 $182
Forte SX 2-Dr Coupe $428 $834 $674 $40 $202 $2,178 $182
Get Your Own Custom Quote Go

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in your specific Irvine location which can decrease or increase coverage prices significantly.

Choosing the top car insurance company can be rather challenging considering how many choices drivers have in California. The information in the next section may help you pick which auto insurance companies to look at when insurance shopping for a Kia Forte. These ratings only include large insurance companies, so smaller companies that only insure vehicles in California are not factored into this list.

Top 10 Major Car Insurance Companies in Irvine Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Does it make sense to buy full coverage?

Saving money on insurance is the goal of most drivers, and one of the easiest ways to buy cheap insurance for a Kia Forte is to not buy full coverage. The information below visualizes the comparison of insurance costs when comparing full coverage to liability only. The information is based on a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are applied.

If all age groups are averaged, full coverage on your policy costs $3,147 per year more than insuring for liability only. At some point, almost every driver questions when is the right time to remove full coverage. There isn’t a written rule of when to stop paying for full coverage, but there is a guideline you can use. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

Why you should be shopping around

Irvine, CA insurance rates are calculated based on many things that will increase or decrease the price of coverage. Simply getting older, moving to a new city, or getting a DUI can trigger price changes that can make some companies cheaper than competitors. Additionally, car insurance companies change the rates they charge in California as needed to reflect underwriting profits or losses. Unexpectedly high claims can cause higher priced premiums, while better underwriting may produce lower-priced Forte insurance rates.

To illustrate this example, the chart below shows the company with the cheapest car insurance in Irvine, CA for a 40-year-old female driver with no prior accidents, a clean driving record, and good credit. If we compare prices based on her personal profile, USAA may offer the most affordable car insurance rates in Irvine at $1,160 per year. This is $491 less than the average policy premium paid by California drivers of $1,651. Century National, CSAA, Wawanesa, and Nationwide are also on the list of the cheapest Irvine, CA auto insurance companies.

Now we will give the driver from the first example a claim surcharge, a lower credit rating, and a speeding citation. Because each company has a proprietary formula for determining prices, analyzing rate quotes may now show a completely different list of the cheapest car insurance companies in Irvine as shown below.

Grange now has the cheapest rate in Irvine, CA with Mercury, Allstate, Progressive, and Allied now rounding out the top five. This example proves why it is critical to compare as many rates as possible to find the best insurance rates for a Kia Forte.

Prices can be altered by many things and can decrease or increase without notice, so the best company the last time you checked may now be costing you a lot of money.