Kia Forte insurance costs change based on model year, with 2024 models costing around $252 monthly compared to $68 for older versions. Newer Fortes cost more to insure because they've got higher market values.
Kia Forte Insurance Cost
Updated: January 19, 2026
Key Takeaways
GEICO offers the most affordable Kia Forte insurance on average, though full coverage costs around $180 monthly and varies based on your model year and chosen insurer. Read more.
The Forte ranks 108th out of 199 sedans for insurance affordability, placing it in the middle tier among sedans. Since sedans often have lower repair costs and better safety ratings than other vehicle types, the Forte remains relatively affordable overall. Read more.
Your Forte's specific model year makes a huge difference in insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Forte model years depending on the age of the drivers.
How Much Is Kia Forte Insurance?
Looking for another Kia model? Read more about Kia insurance costs.
Costs vary by model year and company. Kia Forte minimum coverage ranges from $64 monthly with GEICO to $158 with UAIC, while full coverage spans $138 with GEICO to $364 with AIG.
Rate variations (more than $94 for minimum coverage and $226 for full coverage) highlight why comparing insurers matters for Forte owners. Insurance companies calculate risk differently for each model, which impacts your final quote.
| AAA | $107 | $221 |
| AIG | $144 | $364 |
| Allstate | $124 | $240 |
| Amica | $112 | $229 |
| Chubb | $132 | $259 |
| Farmers | $140 | $247 |
| Geico | $64 | $138 |
| Kemper | $103 | $206 |
| Nationwide | $118 | $204 |
| Progressive | $103 | $193 |
| State Farm | $90 | $186 |
| The Hartford | $99 | $170 |
| Travelers | $93 | $170 |
| UAIC | $158 | $197 |
Is Kia Forte Expensive to Insure?
MoneyGeek's analysis of sedan insurance costs shows the Kia Forte sitting at 108th place among 199 sedans for affordability. That means 107 sedans cost less to insure, positioning it between the slightly cheaper Suzuki Kizashi and the marginally pricier Infiniti Q40. While this puts the Forte in the middle range for its vehicle type, there's more to consider.
Sedans are expensive to insure overall, and the Forte's 416th ranking out of 827 total cars reflects this reality. It's just outside the top half for affordability across all vehicles. The Saturn S-Series claims the cheapest sedan spot for insurance, while the Cadillac CTS-V commands the highest premiums in this category.
| Kia K4 | $136 | 105 |
| Buick Verano | $136 | 106 |
| Suzuki Kizashi | $136 | 107 |
| Kia Forte | $137 | 108 |
| Infiniti Q40 | $137 | 109 |
| Audi A5 | $139 | 110 |
| Pontiac G8 | $139 | 111 |
Several factors affect what you'll pay for Kia Forte insurance:
- Average Repair or Replacement Costs: With annual repair costs averaging $527, the Kia Forte ranks as the third most affordable model to maintain among Kia's 21 vehicles, helping keep insurance premiums reasonable.
- Vehicle Trim, Features and Accessories: Performance capabilities range from 147 to 201 horsepower across different trims. Higher-performance variants with increased horsepower output usually result in substantially higher insurance premiums due to greater risk exposure.
- Driver Profile: The Forte attracts drivers aged 25 to 35 with a median age around 30. Younger drivers often pay higher rates and the vehicle's performance reputation can draw risk-taking behaviors that concern insurers. Read more about the costs of Kia Fortes for young drivers.
Kia Forte Insurance Cost by State
Car insurance for a Kia Forte ranges from $34 per month in Wyoming to $188 in Louisiana for minimum coverage, depending on where you're located. These differences reflect your state's risk characteristics and insurance regulations rather than anything specific about the vehicle model itself.
| Alabama | $84 | $157 |
| Alaska | $68 | $143 |
| Arizona | $117 | $218 |
| Arkansas | $79 | $176 |
| California | $91 | $184 |
| Colorado | $94 | $224 |
| Connecticut | $135 | $232 |
| Delaware | $140 | $234 |
| Florida | $133 | $311 |
| Georgia | $144 | $239 |
| Hawaii | $50 | $112 |
| Idaho | $53 | $107 |
| Illinois | $90 | $168 |
| Indiana | $62 | $121 |
| Iowa | $54 | $130 |
| Kansas | $69 | $160 |
| Kentucky | $121 | $204 |
| Louisiana | $188 | $405 |
| Maine | $49 | $101 |
| Maryland | $154 | $259 |
| Massachusetts | $98 | $205 |
| Michigan | $152 | $290 |
| Minnesota | $79 | $163 |
| Mississippi | $82 | $162 |
| Missouri | $109 | $218 |
| Montana | $71 | $168 |
| Nebraska | $69 | $157 |
| Nevada | $179 | $325 |
| New Hampshire | $67 | $118 |
| New Jersey | $163 | $268 |
| New Mexico | $80 | $178 |
| New York | $122 | $218 |
| North Carolina | $77 | $151 |
| North Dakota | $55 | $120 |
| Ohio | $75 | $146 |
| Oklahoma | $90 | $199 |
| Oregon | $123 | $214 |
| Pennsylvania | $82 | $193 |
| Rhode Island | $116 | $206 |
| South Carolina | $98 | $183 |
| South Dakota | $51 | $154 |
| Tennessee | $76 | $153 |
| Texas | $122 | $250 |
| Utah | $103 | $174 |
| Vermont | $42 | $99 |
| Virginia | $91 | $149 |
| Washington | $91 | $168 |
| West Virginia | $82 | $167 |
| Wisconsin | $64 | $141 |
| Wyoming | $34 | $104 |
Kia Forte Costs by Model Year and Insurance Company
Model year importance can't be overstated when it comes to your Kia Forte insurance costs, along with driver age on your policy. A 35- to 55-year-old driver pays $199 monthly for full coverage on a 2015 Kia Forte compared to $251 for a 2024 model, showing how newer vehicles demand higher premiums. Drivers in their teens and 20s pay much higher rates across all model years.
Shopping between insurers is essential for maximizing your Forte insurance savings. GEICO offers the cheapest rates across all model years and could save certain drivers hundreds of dollars monthly versus average costs.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2024 Kia Forte
| Geico | $72 | $157 |
| National General | $96 | $196 |
| Progressive | $99 | $186 |
| Travelers | $109 | $200 |
| The Hartford | $109 | $186 |
| State Farm | $111 | $232 |
| Kemper | $117 | $235 |
| Allstate | $124 | $239 |
| AAA | $126 | $262 |
| Nationwide | $138 | $239 |
| Amica | $148 | $304 |
| Farmers | $162 | $288 |
| UAIC | $168 | $213 |
| AIG | $176 | $456 |
| Chubb | $190 | $378 |
Cost of Car Insurance for 2023 Kia Forte
| Geico | $65 | $142 |
| National General | $86 | $177 |
| Progressive | $90 | $168 |
| Travelers | $98 | $181 |
| The Hartford | $99 | $168 |
| State Farm | $100 | $209 |
| Kemper | $106 | $212 |
| Allstate | $112 | $215 |
| AAA | $114 | $237 |
| Nationwide | $124 | $215 |
| Amica | $133 | $274 |
| Farmers | $146 | $260 |
| UAIC | $152 | $192 |
| AIG | $159 | $411 |
| Chubb | $171 | $341 |
Cost of Car Insurance for 2022 Kia Forte
| Geico | $58 | $128 |
| National General | $78 | $160 |
| Progressive | $81 | $152 |
| Travelers | $89 | $163 |
| The Hartford | $89 | $152 |
| State Farm | $91 | $189 |
| Kemper | $95 | $192 |
| Allstate | $101 | $194 |
| AAA | $103 | $214 |
| Nationwide | $112 | $194 |
| Amica | $121 | $248 |
| Farmers | $132 | $235 |
| UAIC | $137 | $174 |
| AIG | $144 | $371 |
| Chubb | $155 | $308 |
Cost of Car Insurance for 2021 Kia Forte
| Geico | $51 | $111 |
| National General | $68 | $139 |
| Progressive | $70 | $132 |
| Travelers | $77 | $142 |
| The Hartford | $77 | $132 |
| State Farm | $79 | $164 |
| Kemper | $83 | $167 |
| Allstate | $88 | $169 |
| AAA | $89 | $186 |
| Nationwide | $98 | $169 |
| Amica | $105 | $215 |
| Farmers | $115 | $204 |
| UAIC | $119 | $151 |
| AIG | $125 | $323 |
| Chubb | $135 | $268 |
Cost of Car Insurance for 2020 Kia Forte
| Geico | $45 | $98 |
| National General | $60 | $123 |
| Progressive | $62 | $116 |
| Travelers | $68 | $125 |
| The Hartford | $68 | $116 |
| State Farm | $70 | $145 |
| Kemper | $73 | $147 |
| Allstate | $77 | $149 |
| AAA | $79 | $164 |
| Nationwide | $86 | $149 |
| Amica | $92 | $190 |
| Farmers | $101 | $180 |
| UAIC | $105 | $133 |
| AIG | $110 | $285 |
| Chubb | $119 | $236 |
Cost of Car Insurance for 2019 Kia Forte
| Geico | $61 | $132 |
| National General | $70 | $144 |
| Travelers | $86 | $157 |
| Progressive | $96 | $180 |
| The Hartford | $98 | $166 |
| State Farm | $98 | $202 |
| AAA | $104 | $215 |
| Kemper | $108 | $218 |
| Amica | $111 | $227 |
| Nationwide | $119 | $205 |
| Allstate | $123 | $236 |
| Chubb | $126 | $249 |
| AIG | $136 | $337 |
| Farmers | $138 | $245 |
| UAIC | $158 | $198 |
Cost of Car Insurance for 2018 Kia Forte
| Geico | $57 | $125 |
| National General | $64 | $130 |
| Travelers | $78 | $143 |
| The Hartford | $86 | $147 |
| State Farm | $87 | $181 |
| Progressive | $90 | $169 |
| Kemper | $94 | $190 |
| AAA | $95 | $196 |
| Amica | $100 | $205 |
| Nationwide | $108 | $187 |
| Allstate | $111 | $213 |
| Chubb | $115 | $227 |
| AIG | $122 | $306 |
| Farmers | $127 | $225 |
| UAIC | $137 | $171 |
Cost of Car Insurance for 2017 Kia Forte
| National General | $64 | $131 |
| Geico | $66 | $144 |
| Travelers | $82 | $151 |
| The Hartford | $82 | $140 |
| State Farm | $86 | $181 |
| Kemper | $91 | $186 |
| Amica | $102 | $209 |
| AAA | $103 | $213 |
| Progressive | $108 | $204 |
| Nationwide | $110 | $191 |
| Chubb | $112 | $224 |
| Allstate | $117 | $227 |
| AIG | $123 | $308 |
| UAIC | $128 | $161 |
| Farmers | $140 | $246 |
Cost of Car Insurance for 2016 Kia Forte
| National General | $65 | $133 |
| Geico | $67 | $146 |
| Travelers | $87 | $159 |
| State Farm | $90 | $187 |
| Kemper | $95 | $191 |
| The Hartford | $100 | $170 |
| Amica | $103 | $212 |
| AAA | $106 | $219 |
| Progressive | $116 | $219 |
| Nationwide | $118 | $204 |
| Chubb | $119 | $235 |
| Allstate | $124 | $240 |
| AIG | $130 | $327 |
| Farmers | $140 | $246 |
| UAIC | $143 | $178 |
Kia Forte Insurance Cost by Trim
Kia Forte insurance costs vary by trim, with premiums reaching $252 monthly for full coverage on high-performance Sx Hatchback 4D variants down to just $75 for minimum coverage on basic Fe Sedan 4D models. Performance features and market value determine where your specific trim falls in this range.
| Fe Sedan 4d | $75 | $146 |
| Lxs Sedan 4d | $83 | $161 |
| Gt-Line Sedan 4d | $88 | $171 |
| S Sedan 4d | $88 | $171 |
| Gt Sedan 4d | $91 | $176 |
| 5 Sx Hatchback 4d | $92 | $179 |
| 5 Lx Hatchback 4d | $93 | $180 |
| Ex Sedan 4d | $94 | $181 |
| Lx Sedan 4d | $96 | $186 |
| 5 Ex Hatchback 4d | $100 | $193 |
| Lx | $100 | $194 |
| Lxs | $102 | $197 |
| Koup Ex Coupe 2d | $104 | $200 |
| Koup Sx Coupe 2d | $109 | $210 |
| Sx Sedan 4d | $110 | $211 |
| Gt-Line | $112 | $218 |
| Ex Hatchback 4d | $114 | $219 |
| Gt | $122 | $237 |
| Sx Hatchback 4d | $131 | $252 |
How to Lower the Cost of Kia Forte Insurance
We've compiled the best strategies to help you find better rates on Kia Forte insurance:
- 1Choose the Right Coverage
You'll need to figure out how much coverage to buy for your Kia Forte based on your ownership situation. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by reviewing average auto insurance costs for compact sedans. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your Kia Forte in markets like Dallas or Phoenix where compact cars are popular.
- 3Look for More than Just Low Rates
Finding quality car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget options could provide limited coverage or slower service when you need help most.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation and location. Kia Forte owners usually qualify for safety features discounts, good driver rewards, anti-theft device savings and bundling discounts. Business owners in areas like Orange County often benefit from multi-vehicle discounts when insuring company fleets alongside personal vehicles.
- 5Consider Alternative Car Insurance Types
Kia Forte owners might benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise that track safe driving habits and deliver premium reductions. These telematics programs work well for commuters in suburban areas like Fairfax County who drive predictable routes and maintain safe driving records.
- 6Check Rates Every Year
Obtain car insurance quotes from several companies annually to ensure you're getting the best deal. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons save up to 24% on your Kia Forte insurance. This strategy proves especially valuable in competitive markets where rates fluctuate frequently.
Kia Forte Insurance Cost: Bottom Line
Kia Forte insurance runs average in cost, but you can still find decent rates. Shopping multiple insurers and claiming discounts helps you find competitive pricing for your coverage needs.
Kia Forte Insurance Rates: FAQ
What is the average cost of car insurance for a Kia Forte?
Insurance for a Kia Forte costs $1,178 annually for state minimum coverage and $2,275 yearly for full coverage. These rates represent solid value compared to national averages.
What company has the cheapest car insurance for a Kia Forte?
GEICO provides the most affordable minimum coverage for a Kia Forte at $767 annually. The company also delivers the best value for full coverage at $1,661 per year.
Are Kia Fortes expensive to insure?
No, Kia Forte insurance is not expensive compared to most vehicles. Among sedans specifically, this model places 108th out of 199 for affordability, sitting in the middle tier of its category.
What factors affect insurance costs for Kia Fortes?
Multiple factors affect Kia Forte insurance rates. The model benefits from affordable repair costs due to common parts availability and good safety ratings that help reduce premiums. However, your personal driving record, credit score, and coverage selections ultimately play the biggest role in determining your final rate.
How can I lower Kia Forte insurance costs?
Compare quotes from multiple insurers since Kia Forte costs differ between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with home or renters insurance, and maintain a clean driving record to get better rates.
How We Determined Kia Forte Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Kia Forte insurance costs.
Who We Based These Rates On
These Kia Forte rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.