Kia Forte insurance costs average $98 monthly for minimum coverage and $190 for full coverage. Depending on your particular trim and model year, costs can range from $58 to $310 monthly.
Kia Forte Insurance Cost
Updated: September 26, 2025
Key Takeaways
Kia Forte insurance costs range from $89 to $310 monthly on average, with rates varying by trim level and model year.
The Kia Forte ranks 416th out of 827 vehicle models for insurance affordability in the United States vehicle market from 2000-2025.
GEICO provides the most affordable Kia Forte coverage at $138 monthly for full protection and $64 for minimum coverage policies.
How Much Is Kia Forte Insurance?
| Kia Forte | $98 | $190 |
Kia Forte Insurance Cost by Model Year
Your Kia Forte's model year and available trim options affect your insurance rates. Newer models usually cost more because they have higher fair market values. Monthly premiums for Kia Forte coverage range from $68 to $246, depending on your vehicle's year.
| 2024 | $109 | $211 |
| 2023 | $98 | $191 |
| 2022 | $89 | $172 |
| 2021 | $77 | $150 |
| 2020 | $68 | $132 |
| 2019 | $97 | $187 |
| 2018 | $89 | $172 |
| 2017 | $96 | $186 |
| 2016 | $99 | $193 |
| 2015 | $95 | $184 |
| 2014 | $128 | $246 |
| 2013 | $113 | $218 |
| 2012 | $107 | $206 |
| 2011 | $106 | $204 |
| 2010 | $85 | $162 |
Kia Forte Insurance Cost by Trim
Your Kia Forte's trim affects insurance costs based on features, performance capabilities and theft risk. Monthly premiums range from $75 for basic Fe Sedan models to $252 for high-performance Sx Hatchback versions, creating a substantial $177 difference in annual insurance expenses.
| 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 |
Compare Personalized Kia Forte Insurance Costs
We've broken down Kia Forte insurance costs by model year and trim for personalized estimates.
Data filtered by:Results filtered by:
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Model Year:2010
Select
Trim:Ex Sedan 4d
| Ex Sedan 4d | $82 | $157 |
Kia Forte Insurance Cost by Company
Kia Forte insurance costs vary by provider from $101 to $254 monthly. Minimum coverage ranges from $64 to $158, while full coverage costs $138 to $364. Rates vary due to different risk assessment models.
| 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 |
Kia Forte Insurance Cost by State
Kia Forte insurance costs vary by location, ranging from $34 monthly in Wyoming to $405 in Louisiana.
| 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 Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, extensively affects Kia Forte insurance pricing. Monthly rates reach $366 if you're a young driver under 25, but drop to just $144 monthly for adult drivers between 26-64 without violations.
| Adult Drivers | $98 | $190 |
| Young Drivers | $251 | $480 |
| Senior Drivers | $131 | $240 |
| Drivers With a Speeding Ticket | $122 | $239 |
| Drivers With an Accident | $145 | $278 |
| Drivers With a DUI | $180 | $343 |
| Drivers With Bad Credit | $232 | $465 |
Is a Kia Forte Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Kia Forte ranks 416th out of 827, making it of average cost. Among compact sedans, the model ranks as the 6th most expensive compared to similar vehicles.
| Dodge Neon | $55 | $107 |
| Chevrolet Prizm | $63 | $120 |
| Saturn Ion | $65 | $125 |
| Chevrolet Cavalier | $66 | $126 |
| Saturn Astra | $66 | $126 |
| Pontiac Sunfire | $67 | $128 |
| Mitsubishi Mirage | $69 | $133 |
| Chevrolet Cobalt | $71 | $136 |
| Honda Insight | $77 | $150 |
| Lexus CT | $81 | $156 |
| Honda Civic | $82 | $158 |
| Mazda 3 | $83 | $161 |
| Volkswagen Jetta | $83 | $161 |
| Ford Focus | $84 | $162 |
| Subaru Impreza | $85 | $164 |
| Nissan Sentra | $85 | $163 |
| Toyota Corolla | $86 | $167 |
| Kia Borrego | $90 | $173 |
| Chevrolet Cruze | $90 | $173 |
| Lexus HS | $92 | $177 |
| Suzuki Kizashi | $93 | $179 |
| Kia K4 | $92 | $179 |
| Kia Forte | $93 | $180 |
| Dodge Dart | $100 | $193 |
| Hyundai Elantra | $103 | $199 |
| Toyota Prius | $107 | $207 |
| Mitsubishi Lancer | $113 | $218 |
| Subaru WRX | $113 | $219 |
Factors That Affect Kia Car Insurance Costs
Several factors influence what you'll pay for Kia Forte insurance coverage:
- Age (average 39 years old): Younger buyers face higher rates than middle-aged drivers.
- Gender (50% male, 50% female): Balanced ownership with minimal gender-based rate differences.
- Income ($50,000 to $100,000): Middle-class buyers with moderate credit scores affect premiums.
- Education (33% college graduates): Mixed education levels typical of value-oriented compact car segment.
Average Repair or Replacement Costs
Kia ranks fifth in repair affordability among 59 U.S. automakers with median annual costs of $612. Kia Forte repair costs average $527 annually, making it Kia's third most affordable model to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Kia Forte offers five trim levels from base LX to high-performance GT Manual. Entry-level trims (LX starting at $21,145) have minimal impact on insurance costs.
Higher trims like GT with turbocharged 1.6L engine (201 horsepower), dual-clutch transmission and sport-tuned suspension cost more to insure due to performance-oriented features and higher replacement values.
Fuel Type
Kia Forte models run on regular gasoline with efficient naturally aspirated engines instead of premium fuel requirements. When something breaks, you can take it to most mechanics. You need someone who knows compact economy cars.
Most shops can work on Fortes easily. Standard repair procedures and common parts availability decrease costs because technicians don't need specialized training. Plus, Kia parts cost less than premium car parts. Insurance companies know this, so they charge Forte owners lower rates.
Location
Kia Forte owners are found nationwide, and the car is highly appealing among budget-conscious buyers in suburban and urban areas. Location affects rates through state regulations, weather risks, crime rates and accident statistics. A widespread dealer network and parts availability keep repair costs consistent across most regions.
Driver Profile
Most Kia Forte drivers are younger buyers (average age 39) with household incomes of $50,000 to $100,000. This demographic receives moderate rates due to the vehicle's economy car status, though younger drivers face higher premiums due to inexperience and higher accident rates.
Driver demographics affect Kia Forte rates:
Cheapest Kia Forte Insurance Companies
GEICO offers the most affordable Forte insurance coverage across both policy types. For comprehensive full coverage car insurance, Forte drivers can expect monthly premiums of $138 from GEICO. Drivers who only need basic minimum coverage will find GEICO's rates even more budget-friendly at $64 per month.
| GEICO | $64 | $138 |
| Travelers | $93 | $170 |
| The Hartford | $99 | $170 |
| State Farm | $90 | $186 |
| Progressive | $103 | $193 |
Cheapest Kia Forte Insurance by State
Overall, we found that GEICO, Auto-Owners and State Farm are the top three cheapest car insurance providers for a Kia Forte:
- GEICO: Wins for affordability in 22 states
- Auto-Owners: Wins for affordability in six states
- State Farm: Wins for affordability in six states
You can filter to see who offers the most affordable auto insurance rates for your Kia Forte.
Data filtered by:Results filtered by:
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State:Alabama
| Alabama | Cincinnati Insurance | $43 |
How to Get the Best Cheap Kia Forte Insurance
Below, we detail the top discounts available for your Kia Forte insurance:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Kia's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. Then you can look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Kia Forte, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Kia Forte owners will qualify for:
- Good Student Discount (12% to 25% savings): The Forte was specifically designed to target younger buyers, with many owners being college students or recent graduates. Students maintaining a B average or higher can access substantial discounts, making this practical sedan even more affordable for budget-conscious young adults.
- Safety Features/Advanced Safety Discount (5% to 40% savings): The Forte comes standard with forward collision warning, automatic emergency braking, lane departure warning, and lane keeping assist across all trims. These comprehensive safety systems help qualify for equipment-based discounts from most insurance companies.
- New Car Discount (3% to 15% savings): As a popular choice for first-time buyers, many Forte owners purchase new vehicles that qualify for new car discounts. Insurance companies often provide these discounts for vehicles less than three years old, recognizing their modern safety features and lower theft risk.
- Electronic Funds Transfer (EFT)/Automatic Payment Discount (3% to 5% savings): Young professionals who own Fortes typically embrace digital payment methods. Setting up automatic premium payments from a bank account provides small but consistent savings that add up over time.
- Paperless/Online Account Discount (2% to 5% savings): Forte buyers, being younger and tech-savvy, often prefer managing their insurance online. Opting for paperless billing and electronic policy documents typically qualifies for modest discounts while simplifying account management for busy young professionals.
- 5
Consider alternative car insurance types
Kia Forte owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Kia Forte insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Kia Forte Insurance Cost: Bottom Line
Insuring a Kia Forte costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Kia Forte Insurance Rates: FAQ
Here are answers to common questions about insuring a Kia Forte.
What is the average cost of car insurance for a Kia Forte?
The Kia Forte's average annual insurance cost is $1,178 for state minimum and $2,275 for full coverage.
What company has the cheapest car insurance for a Kia Forte?
GEICO offers the most affordable Forte insurance coverage across both policy types. For comprehensive full coverage car insurance, Forte drivers can expect monthly premiums of $138 from GEICO. Drivers who only need basic minimum coverage will find GEICO's rates even more budget-friendly at $64 per month.
Are Kia Fortes expensive to insure?
Yes, Kia Forte insurance costs more than most compact sedans; the model ranks as the sixth most expensive compared to similar vehicles.
What factors affect insurance costs for Kia Fortes?
Several things drive up your Kia Forte rates. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft will cost more.
How can I lower Kia Forte insurance costs?
Shop around with multiple insurers as rates vary for Kias, and consider usage-based insurance programs that track your driving habits. Take advantage of Kia's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Kia Forte Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Kia Forte insurance costs.
Who We Based These Rates On
These Kia Forte prices reflect what a typical 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.