Who Has Cheap Nashville Car Insurance Rates for a Kia Forte?

Finding cheap auto insurance for a Kia Forte in Tennessee doesn’t take a lot of effort, but it depends on a large number of factors such as annual vehicle mileage, if you have recent claims, and whether or not you are a good driver. Tennessee drivers pay around $756 a year to insure their Forte, but that price is an approximation using a 30-year-old married female driver with full coverage and $500 deductibles.

There’s a good chance you may not be 30 years old (or even female), you might be single instead of married, and you might want liability-only or different deductibles. The different assumptions illustrate why the best method for finding cheap insurance prices for your Kia is to do a thorough rate comparison. Quotes are always free and you will receive rate quotes from some of the most affordable companies around.

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Your vehicle’s trim level can impact the yearly cost, so the rate you pay to insure a Forte LX 4-Dr Sedan trim level will be $180 cheaper than the insurance cost for the more costly Forte SX 2-Dr Coupe trim level, as shown in the table below.

Kia Forte Insurance Rates in Nashville, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $176 $244 $294 $18 $88 $820 $68
Forte EX 4-Dr Sedan $176 $244 $294 $18 $88 $820 $68
Forte SX 4-Dr Sedan $198 $298 $294 $18 $88 $896 $75
Forte EX 2-Dr Coupe $198 $350 $332 $20 $100 $1,000 $83
Forte SX 2-Dr Coupe $198 $350 $332 $20 $100 $1,000 $83
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Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in your specific Nashville location which can impact price quotes significantly.

Comparing quotes for cost effective insurance is challenging, and finding out which companies quote the best insurance rates for a Kia Forte will involve additional perseverance. Each company uses their own formula for determining rates in each state, so let’s take a look at the insurance companies that tend to be cheaper in Nashville.

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Who has the cheapest car insurance in Tennessee?
Rank Company Cost Per Year
1 Utica National $744
2 Auto-Owners $852
3 Cincinnati Insurance $884
4 Penn National $926
5 USAA $947
6 Tennessee Farmers $961
7 Erie $987
8 Nationwide $1,002
9 Allied $1,018
10 Westfield $1,079
11 GEICO $1,156
12 Travelers $1,165
13 Progressive $1,190
14 Shelter $1,199
15 State Farm $1,201
16 Direct General $1,214
17 State Auto $1,217
18 The Hartford $1,245
19 Chubb $1,290
20 21st Century $1,313
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Utica National quotes some of the lowest car insurance rates in Nashville at around $744 a year. This is $584 less than the average price paid by Tennessee drivers of $1,328. Auto-Owners, Cincinnati Insurance, Penn National, and USAA would also be considered some of the most economical Nashville, TN insurance companies.

As illustrated above, if you currently have a policy with USAA and switched to Auto-Owners, you could realize a yearly savings of upwards of $95. Tennessee drivers with Tennessee Farmers could save as much as $109 a year, and Erie policyholders might see rate reductions of $135 a year.

To discover how much you can save, click here or quote prices from the following companies.

It’s important to note that these policy rates are averaged across all types of insureds and vehicles and and are not calculated with an exact location for a Kia Forte. So the auto insurance company that can offer you the best price may not even be in the top 30 companies shown above. That points out the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

Liability-only versus full coverage

Finding cheaper insurance is the goal of the majority of drivers, and a great way to buy cheaper insurance for a Kia Forte is to buy liability only. The diagram below illustrates the comparison of annual premium costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

If averaged for all ages, full coverage on your policy costs an extra $1,677 per year more than just buying liability insurance. A very common question is if paying for full coverage is worth it. There isn’t a written rule to eliminate physical damage coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

Are you paying too much for car insurance?

Nashville insurance rates are influenced by many factors that will increase or decrease the price of coverage. Improving your credit score, buying a home instead of renting, or having a fender bender may cause policy rate changes that can cause some rates to be affordable when they were higher priced.

In addition, insurers file new Tennessee car insurance rates every year or even multiple times each year in order to remain profitable. An unexpected high level of claims may result in additional premium costs, while a profitable period may cause cheaper Forte insurance rates.

To illustrate this example, the graph below shows the cheapest car insurance in Nashville, TN for a 35-year-old male driver with a good driving record, no prior claims, and a decent credit rating. If we estimate prices based on his current rating profile, Utica National quotes the most affordable car insurance rates in Nashville at $859 each year. This is $469 less than the average premium paid by Tennessee drivers of $1,328. Cincinnati Insurance, Auto-Owners, Penn National, and Tennessee Farmers also make the list of the top five cheapest Nashville, TN auto insurance companies.

Now we will give the driver from the above example a couple of claims, poor credit, and a speeding citation. Because each insurer uses their own calculation for setting prices, comparing prices may now show a different ranking of the cheapest companies as shown below.

Erie now has the best insurance rate in Nashville, TN with Nationwide, Allied, Westfield, and GEICO also being competitive. This demonstrates why it is so important to take the time to shop around to get the most economical car insurance rates for a Kia Forte.

Prices consist of many things and change substantially, so the most affordable company the last time you shopped your coverage around may now be priced much higher than other options.