Kia Forte Insurance in Maryland
Rates from $51 – $84/mo minimum coverage, $119 – $199/mo full coverage. Compare top MD carriers below.
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Updated June 2026 · Source: Maryland DOI + IQ rate model
Average monthly premium — 2024 Kia Forte, Maryland
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Kia Forte drivers in Maryland
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Kia Forte insurance costs what it does in Maryland
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
Raises comprehensive premium ~8%. Factory immobilizer + tracking discounts available.
Parts are inexpensive and widely available — keeps collision claims cheap.
Maryland requires 30/60/15 liability + 30/60 UM + $2,500 PIP. Among the highest minimum-coverage requirements in the US, which pushes the floor on premiums. Baltimore + DC suburban traffic density elevates claim frequency.
Frequently asked questions
01How much is Kia Forte insurance in Maryland?
Maryland drivers of a 2024 Kia Forte pay about $119 – $199 per month for full coverage, or roughly $51 – $84 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Forte?
Yes. If your Forte has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Maryland law itself only requires the state liability minimums (30/60/15 plus 30/60 UM + $2,500 PIP), but the lender's contract overrides that.
03What's the cheapest carrier for a Forte in Maryland?
Cheapest varies by driver profile, but in Maryland the major carriers most often quoting the lowest premiums for a Forte are GEICO, Progressive, and State Farm. Regional carriers (Erie and Travelers) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Does the Forte's theft rate raise my comprehensive premium?
Yes, modestly. The Kia Forte ranks #13 on the NICB Hot Wheels most-stolen list, which adds roughly 5-12% to comprehensive premiums vs an equivalent vehicle not on the list. Anti-theft devices (factory immobilizer, kill switch, tracking) can offset most of the surcharge — ask your agent which discounts your MD carrier offers.
05Does Maryland require SR-22 after a DUI for a Forte?
After a DUI, Maryland requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Forte typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.