Estimates, not quotes

Kia Forte Insurance Cost in Connecticut

Insuring a Kia Forte in Connecticut costs about $2,115 a year ($176/month) for full coverage by our estimate — +8% versus the same car nationally — the 15th most expensive of 51 states for this model.

Kia Forte (photo from Wikimedia Commons)
Photo: Damian B Oh, CC BY-SA 4.0
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Kia Forte insurance in Connecticut at a glance

Full coverage
$2,115
$1,730–$2,495
25/50/25 minimum
$995
$83/mo
Same car nationally
$1,955
full coverage
Avg. car in CT
$1,685
+26% for the Forte

The Kia Forte is 26% more expensive than the average vehicle to insure in Connecticut, reflecting HLDI collision losses of 128 and comprehensive losses of 108 (100 = average). Connecticut's own base rates are 9% higher than the national average, which carries through to every model.

Connecticut factors that affect Forte premiums

  • Uninsured drivers: 11.8% of Connecticut drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Forte.
  • Theft: 171 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Connecticut's expected annual losses as very low for hail, relatively low for tornado, relatively moderate for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.00 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Connecticut →

Kia Forte insurance cost in Connecticut cities

CityFull coverageMinimumvs. state
Bridgeport$2,460$1,160+16%
Stamford$2,300$1,080+9%
New Haven$2,240$1,055+6%
Hartford$2,265$1,065+7%
Waterbury$2,295$1,085+9%
Norwalk$2,280$1,075+8%
Danbury$2,255$1,060+7%
New Britain$2,205$1,040+4%

Kia Forte insurance in Connecticut by driver

Estimated annual Kia Forte premium in Connecticut
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $2,735 $3,970 $5,810 $484
Young adult (22) $1,595 $2,310 $3,380 $282
Adult in their 30s $995 $1,445 $2,115 $176
Adult in their 50s $915 $1,330 $1,945 $162
Senior (72) $1,115 $1,615 $2,365 $197
30s, one at-fault accident $1,445 $2,095 $3,065 $255
30s, DUI on record $1,840 $2,670 $3,910 $326

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $995 $83 $815–$1,175
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,445 $120 $1,185–$1,705
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $2,115 $176 $1,730–$2,495

Connecticut minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Connecticut

ModelFull coverage in CTvs. Forte
Honda Civic$1,950−8%
Toyota Corolla$1,830−13%
Hyundai Elantra$2,055−3%
Nissan Sentra$2,205+4%

Estimate your Forte premium by ZIP code

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Kia Forte insurance cost in every state · All Kia models

Frequently asked questions

How much is Kia Forte insurance in Connecticut?

About $2,115 a year ($176 a month) for full coverage and $995 for Connecticut's minimum liability, for a driver in their 30s with a clean record. That is 8% more than the national estimate for the same car.

Is the Kia Forte cheaper to insure than the average car in Connecticut?

The average vehicle in Connecticut is about $1,685 a year for full coverage in our model, so the Kia Forte is 26% more expensive than average.

Where in Connecticut is Kia Forte insurance cheapest?

Among the largest Connecticut cities, New Britain has the lowest estimate (about $2,205) and Bridgeport the highest (about $2,460).

What insurance do I need for a Kia Forte in Connecticut?

Connecticut requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page