Estimates, not quotes

Kia Forte vs Nissan Sentra Insurance Cost

The Kia Forte is cheaper to insure by about $90 a year for full coverage by our estimate ($1,955 vs. $2,045), and cheaper in 51 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 ForteNissan SentraDifference
State minimum$860$855+$5
Standard (100/300/100)$1,245$1,240+$5
Full coverage$1,955$2,045−$90

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

Why one costs more to insure

FactorKia ForteNissan Sentra
SegmentCompact carCompact car
PowertrainsGasolineGasoline
HLDI collision (100 = avg)128132
HLDI comprehensive10891
HLDI property damage liability141140
HLDI bodily injury liability188192
NHTSA overall rating4★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)45

Collision losses are the biggest swing factor: the Nissan Sentra has 4 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Nissan Sentra.

Forte vs Sentra insurance by state

StateForteSentraDifference
Alabama$1,675$1,760−$85
Alaska$1,705$1,795−$90
Arizona$2,055$2,140−$85
Arkansas$1,670$1,765−$95
California$1,900$2,020−$120
Colorado$2,185$2,265−$80
Connecticut$2,115$2,205−$90
Delaware$2,245$2,325−$80
District of Columbia$2,450$2,580−$130
Florida$2,895$2,985−$90
Georgia$2,480$2,570−$90
Hawaii$1,335$1,415−$80
Idaho$1,320$1,380−$60
Illinois$1,680$1,765−$85
Indiana$1,375$1,440−$65
Iowa$1,270$1,330−$60
Kansas$1,505$1,575−$70
Kentucky$1,650$1,715−$65
Louisiana$2,720$2,830−$110
Maine$1,225$1,290−$65
Maryland$2,215$2,315−$100
Massachusetts$1,920$2,020−$100
Michigan$2,115$2,225−$110
Minnesota$1,595$1,660−$65
Mississippi$1,835$1,920−$85
Missouri$1,745$1,820−$75
Montana$1,500$1,565−$65
Nebraska$1,510$1,580−$70
Nevada$2,335$2,415−$80
New Hampshire$1,375$1,450−$75
New Jersey$2,425$2,515−$90
New Mexico$1,735$1,815−$80
New York$2,680$2,785−$105
North Carolina$1,415$1,500−$85
North Dakota$1,185$1,245−$60
Ohio$1,380$1,450−$70
Oklahoma$1,710$1,795−$85
Oregon$1,795$1,860−$65
Pennsylvania$1,675$1,765−$90
Rhode Island$2,405$2,510−$105
South Carolina$2,125$2,200−$75
South Dakota$1,395$1,455−$60
Tennessee$1,595$1,680−$85
Texas$2,275$2,380−$105
Utah$1,810$1,880−$70
Vermont$1,230$1,305−$75
Virginia$1,680$1,755−$75
Washington$1,735$1,805−$70
West Virginia$1,590$1,665−$75
Wisconsin$1,305$1,370−$65
Wyoming$1,430$1,495−$65

By driver profile (full coverage)

DriverForteSentra
Teen driver (18, own policy)$5,380$5,625
Young adult (22)$3,130$3,270
Adult in their 30s$1,955$2,045
Adult in their 50s$1,800$1,880
Senior (72)$2,190$2,290
30s, one at-fault accident$2,835$2,965
30s, DUI on record$3,620$3,785

More comparisons

Frequently asked questions

Is the Kia Forte or the Nissan Sentra cheaper to insure?

By our estimate the Kia Forte is cheaper, by about $90 a year for full coverage ($1,955 vs. $2,045) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Kia Forte and Nissan Sentra?

Mostly because of insurance-loss history: HLDI collision indices of 128 vs. 132 and comprehensive indices of 108 vs. 91 (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