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Key takeaways:
Kia Forte insurance rates are $113 per month for full coverage and $45 per month for liability-only coverage. You can save up to $557 on Kia Forte insurance rates under policy discounts. Learn more about the Kia Forte in this vehicle review.
You can start comparing quotes for Kia Forte auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Table of Contents
The average Kia Forte auto insurance costs are $1,352 a year or $113 a month.
The chart below details how Kia Forte insurance rates compare to other sedans like the Honda Civic, Subaru Legacy, and Subaru Impreza.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Forte | $322 | $500 | $372 | $1,352 |
| Honda Civic | $280 | $656 | $420 | $1,536 |
| Subaru Legacy | $370 | $506 | $338 | $1,350 |
| Subaru Impreza | $320 | $542 | $390 | $1,410 |
| Ford Fusion | $336 | $626 | $372 | $1,492 |
| Chevrolet Blazer | $376 | $688 | $316 | $1,516 |
| Toyota Camry | $294 | $570 | $390 | $1,412 |
However, there are a few things you can do to find the cheapest Kia insurance rates online.
The Kia Forte trim and model you choose will affect the total price you will pay for Kia Forte insurance coverage.
Older Kia Forte models generally cost less to insure. For example, auto insurance for a 2020 Kia Forte costs $1,352, while 2010 Kia Forte insurance costs are $1,120, a difference of $232.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Kia Forte | $322 | $500 | $372 | $1,352 |
| 2019 Kia Forte | $306 | $482 | $390 | $1,336 |
| 2018 Kia Forte | $294 | $478 | $398 | $1,328 |
| 2017 Kia Forte | $284 | $466 | $416 | $1,324 |
| 2016 Kia Forte | $274 | $446 | $430 | $1,308 |
| 2015 Kia Forte | $260 | $430 | $442 | $1,290 |
| 2014 Kia Forte | $250 | $400 | $452 | $1,260 |
| 2013 Kia Forte | $240 | $376 | $456 | $1,230 |
| 2012 Kia Forte | $230 | $338 | $460 | $1,186 |
| 2011 Kia Forte | $214 | $310 | $460 | $1,142 |
| 2010 Kia Forte | $206 | $292 | $464 | $1,120 |
Driver age can have a significant impact on Kia Forte auto insurance rates. For example, 20-year-old drivers pay approximately $1,654 more each year for their Kia Forte auto insurance than 30-year-old drivers.
Where you live can have a large impact on Kia Forte insurance rates. For example, drivers in Phoenix may pay $744 a year less than drivers in Los Angeles.
Your driving record can have an impact on the cost of Kia Forte auto insurance. Teens and drivers in their 20’s see the highest jump in their Kia Forte auto insurance rates with violations on their driving record.
Your Kia Forte auto insurance rates are influenced by the Kia Forte’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
The crash test ratings of the Kia Forte can impact your Kia Forte auto insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Kia Forte 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2019 Kia Forte 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Kia Forte 5 HB FWD | N/R | N/R | 5 stars | 4 stars |
| 2018 Kia Forte 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Kia Forte Koup 2 DR FWD | N/R | N/R | N/R | N/R |
| 2017 Kia Forte 5 HB FWD | N/R | N/R | 5 stars | 4 stars |
| 2017 Kia Forte 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Kia Forte Koup 2 DR FWD | N/R | N/R | N/R | N/R |
| 2016 Kia Forte 5 HB FWD | N/R | N/R | 5 stars | 4 stars |
| 2016 Kia Forte 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Having a variety of safety features on your Kia Forte can help lower your Kia Forte insurance costs. The Kia Forte’s safety features include:
The lower percentage means lower Kia Forte auto insurance rates; higher percentages mean higher Kia Forte auto insurance rates. Insurance loss probability on the Kia Forte fluctuates between each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | 14% |
|---|---|
| Property Damage | 17% |
| Comprehensive | 3% |
| Personal Injury | 76% |
| Medical Payment | 83% |
| Bodily Injury | 44% |
| Source: Insurance Institute for Highway Safety | |
If you are financing a Kia Forte, most lenders will require your carry higher Kia Forte coverages including comprehensive coverage, so be sure to compare Kia Forte auto insurance rates from the best companies using our FREE tool below.
You have more options at your disposal to save money on your Kia Forte auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Kia Forte auto insurance rates
Who is the top auto insurance company for Kia Forte insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia Forte auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Kia Forte offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Start comparing Kia Forte auto insurance quotes for free by using our FREE online comparison tool.
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