Toyota Corolla vs Kia Forte Insurance Cost
The Toyota Corolla is cheaper to insure by about $250 a year for full coverage by our estimate ($1,705 vs. $1,955), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Toyota Corolla | Kia Forte | Difference |
|---|---|---|---|
| State minimum | $710 | $860 | −$150 |
| Standard (100/300/100) | $1,025 | $1,245 | −$220 |
| Full coverage | $1,705 | $1,955 | −$250 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Corolla minus Forte.
Why one costs more to insure
| Factor | Toyota Corolla | Kia Forte |
|---|---|---|
| Segment | Compact car | Compact car |
| Powertrains | Gasoline, Hybrid | Gasoline |
| HLDI collision (100 = avg) | 102 | 128 |
| HLDI comprehensive | 89 | 108 |
| HLDI property damage liability | 114 | 141 |
| HLDI bodily injury liability | 137 | 188 |
| NHTSA overall rating | 5★ | 4★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 3 | 4 |
Collision losses are the biggest swing factor: the Kia Forte has 26 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Toyota Corolla.
Corolla vs Forte insurance by state
By driver profile (full coverage)
| Driver | Corolla | Forte |
|---|---|---|
| Teen driver (18, own policy) | $4,695 | $5,380 |
| Young adult (22) | $2,730 | $3,130 |
| Adult in their 30s | $1,705 | $1,955 |
| Adult in their 50s | $1,570 | $1,800 |
| Senior (72) | $1,910 | $2,190 |
| 30s, one at-fault accident | $2,475 | $2,835 |
| 30s, DUI on record | $3,155 | $3,620 |
More comparisons
- Honda Civic vs Toyota Corolla
- Honda Civic vs Kia Forte
- Toyota Corolla vs Hyundai Elantra
- Toyota Corolla vs Kia Soul
- Toyota Corolla vs Nissan Leaf
- Toyota Corolla vs Volkswagen Golf
- Toyota Corolla vs Chevrolet Cruze
- Toyota Corolla vs Nissan Sentra
- Toyota Corolla vs Chevrolet Volt
- Toyota Corolla vs Hyundai Veloster
Frequently asked questions
Is the Toyota Corolla or the Kia Forte cheaper to insure?
By our estimate the Toyota Corolla is cheaper, by about $250 a year for full coverage ($1,705 vs. $1,955) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Toyota Corolla and Kia Forte?
Mostly because of insurance-loss history: HLDI collision indices of 102 vs. 128 and comprehensive indices of 89 vs. 108 (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.