Insurance Analysis of the 2012 KIA Forte

The 2012 Kia Forte is a boring, cheap car that is easy on the eyes and the insurance premium.

The 2012 KIA Forte is a nice sedan with good insurance premiums.

The 2012 Kia Forte is definitely not the type of vehicle that you are going to see drag racing along the street. It has a basic engine, high safety rankings, and is more of the type that young parents are going to be buying when they have their first baby.

This doesn’t mean in any way that the 2012 Forte isn’t a good buy, it just means that it is a safe bet that will have a nice low insurance premium to go with it.

IIHS Safety Ratings for the 2012 Kia Forte

The 2012 Kia Forte secured the Insurance Institute for Highway Safety’s (IIHS) designation as a “Top Safety Pick”, but only for the sedan models.

The Forte rated “good” for the front crash, side impact, and roof strength (rollover) tests. The good rating is the highest rating the IIHS gives to vehicles they test.

Receiving a good rating is nothing new for the Forte as it has always earned good ratings in all categories except one, since it was introduced in 2010. The only time it has ever earned a lower rating was when it was first introduced. The Kia Forte earned an “average” rating in the side impact test, but the company quickly made changes to the car and this rating is only for vehicles that were built June 2009 to November 2009.

Insurance Thoughts on the 2012 KIA Forte

This car is going to be nice and cheap to insure; which will go along nicely with the low car payment it has as well.

The 2012 Forte has 3 nice things in its favor as far as far as insurance ratings are concerned.

One, being a “Top Safety Pick” means that the vehicle is very safe for anyone inside the vehicle at the time of an accident. This translates in to lower premiums on the medical payments and/or PIP coverages.

Two, the Forte is an inexpensive vehicle, so an insurance company won’t be paying much to replace or fix it if it ever were to get into an accident. Because the insurance company won’t be paying much, you won’t be paying much for the comprehensive and collision coverage.

Finally, the liability coverage premium is going to be one of the lowest available. The vehicle is not associated with reckless racing and it’s a sedan that won’t do much damage. In other words, the 2012 KIA Forte is not the type of vehicle that insurance companies have to worry about causing many or expensive accidents.