Kia Forte Insurance Cost

Full coverage for a Kia Forte costs about $1,955 a year ($163/month) by our estimate — ▲ +23% versus the average vehicle.

Kia Forte exterior (photo from Wikimedia Commons) — Photo: Damian B Oh, CC BY-SA 4.0

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

Kia Forte insurance cost at a glance

Full coverage

$1,955

$163/mo · $1,605–$2,310

Minimum liability

$860

$72/mo

Segment

Compact car

Gasoline

HLDI collision losses

128

Much worse than average (100 = avg)

NHTSA overall

★★★★☆

2024 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2024 model year. Our vehicle data covers the 2010–2024 model years of the Kia Forte, which is no longer in production.

Estimated Kia Forte premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$860	$72	$705–$1,015
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,245	$104	$1,020–$1,470
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,955	$163	$1,605–$2,310

What drives the cost of insuring a Kia Forte

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Kia Forte's results put our vehicle factor at 1.40× for liability, 1.23× for collision and 1.05× for comprehensive.

HLDI relative insurance losses — Kia Forte (Small Four-door cars)
Coverage	Index	Rating	What it measures
Collision	128	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	108	Worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	141	Much worse than average	Damage this car does to other vehicles and property
Bodily injury liability	188	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	178	Much worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	229	Much worse than average	Injuries to occupants of this car (claim frequency)

Repair and parts costs: Compact car — mainstream parts availability keeps repairs moderate.
Safety: 4-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 4 NHTSA recall campaigns and 112 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Kia Forte trims and configurations (2024)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Forte	FWD	1.6L 4-cyl Turbo	30
Forte	FWD	2.0L 4-cyl	32
Forte FE	FWD	2.0L 4-cyl	34

Kia Forte insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2024	1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	26–34	$1,955
2023	1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	26–34	$1,920
2022	1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	26–35	$1,880
2021	1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	28–35	$1,845
2020	1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	28–35	$1,810
2019	2.0L 4-cyl	FWD	31–35	$1,770
2018	1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	25–32	$1,735
2017	1.6L 4-cyl Turbo, 2.0L 4-cyl	FWD	25–32	$1,695
2016	1.6L 4-cyl Turbo, 1.8L 4-cyl, 2.0L 4-cyl	FWD	24–30	$1,660
2015	1.6L 4-cyl Turbo, 1.8L 4-cyl, 2.0L 4-cyl	FWD	24–30	$1,655
2014	1.6L 4-cyl Turbo, 1.8L 4-cyl, 2.0L 4-cyl	FWD	24–29	$1,655
2013	2.0L 4-cyl, 2.4L 4-cyl	FWD	26–30	$1,655
2012	2.0L 4-cyl, 2.4L 4-cyl	FWD	26–30	$1,655
2011	2.0L 4-cyl, 2.4L 4-cyl	FWD	26–30	$1,655
2010	2.0L 4-cyl, 2.4L 4-cyl	FWD	26–30	$1,655

Kia Forte insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Forte page for that state.

State	Full coverage	Minimum	vs. national	Forte page
Alabama	$1,675	$670	−14%	Forte in AL
Alaska	$1,705	$875	−13%	Forte in AK
Arizona	$2,055	$925	+5%	Forte in AZ
Arkansas	$1,670	$630	−15%	Forte in AR
California	$1,900	$800	−3%	Forte in CA
Colorado	$2,185	$910	+12%	Forte in CO
Connecticut	$2,115	$995	+8%	Forte in CT
Delaware	$2,245	$1,120	+15%	Forte in DE
District of Columbia	$2,450	$1,040	+25%	Forte in DC
Florida	$2,895	$1,510	+48%	Forte in FL
Georgia	$2,480	$1,220	+27%	Forte in GA
Hawaii	$1,335	$610	−32%	Forte in HI
Idaho	$1,320	$560	−32%	Forte in ID
Illinois	$1,680	$695	−14%	Forte in IL
Indiana	$1,375	$565	−30%	Forte in IN
Iowa	$1,270	$435	−35%	Forte in IA
Kansas	$1,505	$565	−23%	Forte in KS
Kentucky	$1,650	$740	−16%	Forte in KY
Louisiana	$2,720	$1,105	+39%	Forte in LA
Maine	$1,225	$595	−37%	Forte in ME
Maryland	$2,215	$1,055	+13%	Forte in MD
Massachusetts	$1,920	$830	−2%	Forte in MA
Michigan	$2,115	$1,070	+8%	Forte in MI
Minnesota	$1,595	$660	−18%	Forte in MN
Mississippi	$1,835	$740	−6%	Forte in MS
Missouri	$1,745	$715	−11%	Forte in MO
Montana	$1,500	$550	−23%	Forte in MT
Nebraska	$1,510	$565	−23%	Forte in NE
Nevada	$2,335	$1,215	+19%	Forte in NV
New Hampshire	$1,375	$560	−30%	Forte in NH
New Jersey	$2,425	$1,310	+24%	Forte in NJ
New Mexico	$1,735	$725	−11%	Forte in NM
New York	$2,680	$1,300	+37%	Forte in NY
North Carolina	$1,415	$625	−28%	Forte in NC
North Dakota	$1,185	$385	−39%	Forte in ND
Ohio	$1,380	$565	−29%	Forte in OH
Oklahoma	$1,710	$660	−13%	Forte in OK
Oregon	$1,795	$875	−8%	Forte in OR
Pennsylvania	$1,675	$595	−14%	Forte in PA
Rhode Island	$2,405	$1,145	+23%	Forte in RI
South Carolina	$2,125	$1,025	+9%	Forte in SC
South Dakota	$1,395	$440	−29%	Forte in SD
Tennessee	$1,595	$630	−18%	Forte in TN
Texas	$2,275	$965	+16%	Forte in TX
Utah	$1,810	$915	−7%	Forte in UT
Vermont	$1,230	$445	−37%	Forte in VT
Virginia	$1,680	$875	−14%	Forte in VA
Washington	$1,735	$825	−11%	Forte in WA
West Virginia	$1,590	$610	−19%	Forte in WV
Wisconsin	$1,305	$520	−33%	Forte in WI
Wyoming	$1,430	$455	−27%	Forte in WY

Kia Forte insurance by driver profile

Estimated annual Kia Forte premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$2,360	$3,425	$5,380	$448
Young adult (22)	$1,375	$1,990	$3,130	$261
Adult in their 30s	$860	$1,245	$1,955	$163
Adult in their 50s	$790	$1,145	$1,800	$150
Senior (72)	$960	$1,395	$2,190	$183
30s, one at-fault accident	$1,245	$1,805	$2,835	$236
30s, DUI on record	$1,590	$2,305	$3,620	$302

Kia Forte vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Kia Forte	$1,955	128	108	—
Honda Civic	$1,790	121	88	Compare
Toyota Corolla	$1,705	102	89	Compare
Hyundai Elantra	$1,895	134	109	Compare

Estimate Kia Forte insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Kia models

Carnival $1,470/yr
EV3 $1,545/yr
K4 $1,545/yr
K5 $2,005/yr
Niro $1,725/yr
Seltos $1,550/yr
Sorento $1,580/yr
Sportage $1,615/yr
Telluride $1,400/yr
EV6 $1,680/yr
EV9 $1,515/yr
Soul $1,595/yr
Rio $1,455/yr
Stinger $1,445/yr
Sedona $1,255/yr
Cadenza $1,400/yr
K900 $1,400/yr
Optima $1,390/yr
Rondo $1,135/yr
Borrego $1,190/yr
Amanti $1,260/yr
Spectra $1,255/yr

All Kia insurance costs →

Frequently asked questions

How much is insurance for a Kia Forte?

We estimate about $1,955 a year ($163 a month) for full coverage and $860 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 23% more than the average vehicle.

Is the Kia Forte expensive to insure?

HLDI insurance-loss data rates it at 128 for collision and 108 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Kia Forte?

North Dakota has the lowest estimate (about $1,185 a year for full coverage) and Florida the highest (about $2,895).

What is the Kia Forte's NHTSA safety rating?

The 2024 Kia Forte earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Kia Forte cheaper to insure than the Honda Civic?

By our estimate the Kia Forte costs about $1,955 a year versus $1,820 for the Honda Civic, making the Honda Civic cheaper to insure.

How much is Kia Forte insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,380 a year at national-average rates by our estimate.

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