Estimates, not quotes

Kia Forte vs Hyundai Elantra Insurance Cost

The Hyundai Elantra is cheaper to insure by about $60 a year for full coverage by our estimate ($1,955 vs. $1,895), and cheaper in 47 of 51 states.

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

Side-by-side insurance estimate

CoverageKia ForteHyundai ElantraDifference
State minimum$860$745+$115
Standard (100/300/100)$1,245$1,080+$165
Full coverage$1,955$1,895+$60

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Forte minus Elantra.

Why one costs more to insure

FactorKia ForteHyundai Elantra
SegmentCompact carCompact car
PowertrainsGasolineGasoline, Hybrid
HLDI collision (100 = avg)128134
HLDI comprehensive108109
HLDI property damage liability141120
HLDI bodily injury liability188151
NHTSA overall rating4★5★
NICB most-stolen rankNot in top 10#1
Recalls (latest 3 model years)43

Collision losses are the biggest swing factor: the Hyundai Elantra has 6 points higher relative collision losses, meaning its crash repairs cost insurers more on average. The Hyundai Elantra appears on the NICB most-stolen list, adding to comprehensive costs.

Forte vs Elantra insurance by state

StateForteElantraDifference
Alabama$1,675$1,650+$25
Alaska$1,705$1,665+$40
Arizona$2,055$1,985+$70
Arkansas$1,670$1,665+$5
California$1,900$1,870+$30
Colorado$2,185$2,135+$50
Connecticut$2,115$2,020+$95
Delaware$2,245$2,120+$125
District of Columbia$2,450$2,395+$55
Florida$2,895$2,710+$185
Georgia$2,480$2,350+$130
Hawaii$1,335$1,315+$20
Idaho$1,320$1,285+$35
Illinois$1,680$1,645+$35
Indiana$1,375$1,345+$30
Iowa$1,270$1,275−$5
Kansas$1,505$1,500+$5
Kentucky$1,650$1,595+$55
Louisiana$2,720$2,620+$100
Maine$1,225$1,205+$20
Maryland$2,215$2,130+$85
Massachusetts$1,920$1,870+$50
Michigan$2,115$2,070+$45
Minnesota$1,595$1,570+$25
Mississippi$1,835$1,805+$30
Missouri$1,745$1,710+$35
Montana$1,500$1,500—
Nebraska$1,510$1,505+$5
Nevada$2,335$2,185+$150
New Hampshire$1,375$1,350+$25
New Jersey$2,425$2,290+$135
New Mexico$1,735$1,695+$40
New York$2,680$2,545+$135
North Carolina$1,415$1,415—
North Dakota$1,185$1,200−$15
Ohio$1,380$1,355+$25
Oklahoma$1,710$1,695+$15
Oregon$1,795$1,705+$90
Pennsylvania$1,675$1,655+$20
Rhode Island$2,405$2,295+$110
South Carolina$2,125$2,025+$100
South Dakota$1,395$1,425−$30
Tennessee$1,595$1,575+$20
Texas$2,275$2,235+$40
Utah$1,810$1,725+$85
Vermont$1,230$1,230—
Virginia$1,680$1,630+$50
Washington$1,735$1,655+$80
West Virginia$1,590$1,575+$15
Wisconsin$1,305$1,290+$15
Wyoming$1,430$1,460−$30

By driver profile (full coverage)

DriverForteElantra
Teen driver (18, own policy)$5,380$5,215
Young adult (22)$3,130$3,035
Adult in their 30s$1,955$1,895
Adult in their 50s$1,800$1,745
Senior (72)$2,190$2,125
30s, one at-fault accident$2,835$2,750
30s, DUI on record$3,620$3,510

More comparisons

Frequently asked questions

Is the Kia Forte or the Hyundai Elantra cheaper to insure?

By our estimate the Hyundai Elantra is cheaper, by about $60 a year for full coverage ($1,955 vs. $1,895) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Kia Forte and Hyundai Elantra?

Mostly because of insurance-loss history: HLDI collision indices of 128 vs. 134 and comprehensive indices of 108 vs. 109 (100 = average), plus repair costs, theft rates and segment.

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