PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Why is my insurance so expensive for a 2020 Kia Forte?
I'm 19 and live in New York. I have one accident on my record. When I shop around for car insurance, my quotes have been $600 a month. I'm currently paying less than that with liability only. Why is it so expensive?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The ones that have the biggest impact are age, driving record, and where you live. Since you are still considered a young driver and you have an accident on your record, your insurance rates will be significantly higher than an older driver with a clean record.
What’s more, insurance in New York tends to be pricier because it’s a no-fault state with a lot of insurance fraud.
The other factor to consider here is that having
liability coverage
only is always less expensive than full-coverage insurance. If your Kia is financed, lenders will likely require you to have both
comprehensive coverage
and collision coverage
, which can be expensive. The price difference between liability-only and full-coverage insurance can seem extreme, but the latter will protect both you and your vehicle in the event of an accident.
Continue shopping around to find the best price. If you’ve only been looking at larger carriers, try to get quotes from smaller regional carriers as well.
“
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies