Kia Forte Insurance Cost


Key Takeaways
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GEICO offers the most affordable rates for Kia Forte insurance, though full coverage averages $190 a month and costs vary by model year and insurer. Read more.

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The Forte ranks 108th out of 199 sedans for insurance affordability, placing it in the middle tier. Sedans generally carry lower repair costs and stronger safety ratings than other vehicle types, so the Forte stays on the affordable end overall. Read more.

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Model year affects Forte insurance rates more than most drivers expect, and adding a teen driver to your policy amplifies that gap. 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?

Insurance premiums for a Kia Forte average $190 monthly for full coverage and $98 for minimum coverage. Depending on the trim and model year, costs can range from $68 to $252 monthly.

Kia Forte$98$190

Looking for another Kia model? Read more about the cost of Kia car insurance models.

Your Kia Forte's model year drives insurance costs more than most factors. Older models can cost as little as $68 a month for minimum coverage, while the newest versions reach about $211 a month for full coverage. Newer vehicles carry higher market values, which pushes replacement and repair costs up.

2010
$85
$162
2011
$106
$204
2012
$107
$206
2013
$113
$218
2014
$128
$246
2015
$85
$184
$99
$193
$96
$186
$89
$172
$97
$187
$68
$132
$77
$150
$89
$172
$98
$191
$109
$211

Rates for a Kia Forte shift by model year and company. Full coverage runs from $138 a month with GEICO to $364 with AIG, while minimum coverage ranges from $64 with GEICO to $158 with UAIC.

That $326 difference in full coverage and $124 difference in minimum coverage shows how differently insurers price the same vehicle. Each company calculates Kia Forte risk differently, which affects your final quote.

AAA$152$316
AIG$200$505
Allstate$162$316
Amica$169$346
Chubb$195$388
Farmers$200$354
Geico$83$179
Kemper$137$274
Nationwide$184$318
Progressive$160$301
State Farm$130$270
The Hartford$137$233
Travelers$141$262
UAIC$207$260

Is Kia Forte Expensive to Insure?

MoneyGeek's analysis ranks the Kia Forte 108th out of 199 sedans for affordability, putting it just above the midpoint. A total of 107 sedans cost less to insure. For context, the Forte runs a few dollars more a month than a Suzuki Kizashi but comes in below an Infiniti Q40.

Among all vehicle types, the Forte ranks 416th out of 827, landing in the upper half for insurance costs. Sedans as a category lean toward the pricier end. The Saturn S-Series holds the lowest insurance costs among sedans, while the Cadillac CTS-V carries the highest premiums in the category.

Kia K4$136105
Buick Verano$136106
Suzuki Kizashi$136107
Kia Forte$137108
Infiniti Q40$137109
Audi A5$139110
Pontiac G8$139111

Several factors affect what you'll pay for Kia Forte insurance:

  • Average repair or replacement costs: As Kia's third most affordable model to maintain out of 21, the Forte keeps repair costs reasonable at $527 annually, which pulls insurance premiums down.
  • Vehicle trim, features and accessories: The Forte's horsepower ranges from 147 to 201 depending on trim level. Higher-performance trims with more powerful engines cost more to insure because of the added risk.
  • Driver profile: Most Forte drivers fall between 25 and 35 years old, with a median age around 30. The vehicle's performance reputation draws risk-taking behaviors that raise insurer concern, especially for younger drivers. Read more about the costs of Kia Fortes for young drivers.

Kia Forte Costs by Model Year and Driver Age by Insurance Company

Driver age and your Kia Forte's model year both push insurance costs in different directions. A 35- to 55-year-old driver pays $199 a month for full coverage on a 2015 Forte compared to $251 for a 2024 model, reflecting how newer vehicles come with higher premiums. Teen drivers and those in their early twenties pay more regardless of model year.

GEICO offers the lowest rates for all Forte model years and can save certain drivers hundreds of dollars a month. Compare insurers to find the best rate for your Forte.

Recent model years:

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

2024 Kia Forte Insurance Costs for 16- to 25-Year-Olds

Data filtered by:
Full Coverage
State Farm$873$768$679$587$518$440$400$357$326$287
Geico$891$651$547$397$341$276$254$210$199$180
Nationwide$1,081$992$913$775$654$424$393$367$347$310
Allstate$1,143$895$721$532$477$371$336$318$300$265
Travelers$1,178$853$673$520$458$342$312$288$266$231
Progressive$1,353$1,093$907$505$441$356$317$283$260$223
Farmers$1,822$1,342$1,194$732$690$522$467$446$425$357

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

2023 Kia Forte Insurance Costs for 16- to 25-Year-Olds

Data filtered by:
Full Coverage
State Farm$787$692$612$529$467$397$361$322$294$259
Geico$804$588$493$358$308$249$229$189$179$162
Nationwide$975$895$823$699$590$383$355$331$313$280
Allstate$1,031$807$651$480$430$335$303$287$270$239
Travelers$1,062$769$607$469$413$308$282$260$240$208
Progressive$1,221$986$818$456$398$321$286$255$235$202
Farmers$1,644$1,210$1,077$660$622$470$422$402$383$322

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

2022 Kia Forte Insurance Costs for 16- to 25-Year-Olds

Data filtered by:
Full Coverage
State Farm$711$625$553$478$422$359$326$291$266$234
Geico$726$531$445$324$278$225$207$171$162$147
Nationwide$881$808$744$631$533$346$321$299$283$253
Allstate$931$729$588$434$389$302$274$259$244$216
Travelers$959$695$549$424$373$278$254$235$217$188
Progressive$1,103$890$739$412$359$290$258$230$212$182
Farmers$1,484$1,093$973$596$562$425$381$363$346$291

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

2021 Kia Forte Insurance Costs for 16- to 25-Year-Olds

Data filtered by:
Full Coverage
State Farm$618$543$480$415$366$312$283$253$231$203
Geico$631$461$387$281$242$195$180$149$141$128
Nationwide$765$702$646$549$463$300$279$260$246$220
Allstate$809$634$511$377$338$263$238$225$212$188
Travelers$834$604$477$368$324$242$221$204$188$163
Progressive$958$774$642$358$312$252$224$200$184$158
Farmers$1,290$950$845$518$488$369$331$316$301$253

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

2020 Kia Forte Insurance Costs for 16- to 25-Year-Olds

Data filtered by:
Full Coverage
State Farm$545$480$424$366$323$275$250$223$204$179
Geico$557$407$341$248$213$172$159$131$124$113
Nationwide$675$620$570$484$409$265$246$229$217$194
Allstate$714$559$451$332$298$232$210$199$187$166
Travelers$736$533$421$325$286$213$195$180$166$144
Progressive$845$683$566$316$275$222$198$177$162$140
Farmers$1,138$838$746$457$431$326$292$278$265$223

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

2019 Kia Forte Insurance Costs for 16- to 25-Year-Olds

Data filtered by:
Full Coverage
Geico$748$545$457$331$286$231$212$176$166$151
State Farm$761$670$593$512$452$384$349$311$285$251
Travelers$928$668$526$406$356$267$243$224$207$180
Nationwide$933$856$788$669$565$366$339$316$299$267
Allstate$1,146$897$717$525$470$367$333$314$295$262
Progressive$1,311$1,056$875$486$424$343$305$273$251$215
Farmers$1,532$1,131$1,007$621$585$442$396$378$360$304

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

2018 Kia Forte Insurance Costs for 16- to 25-Year-Olds

Data filtered by:
Full Coverage
State Farm$682$600$531$458$405$344$312$279$255$225
Geico$708$517$434$315$271$219$202$167$158$143
Nationwide$846$776$715$607$512$332$308$287$271$243
Travelers$847$611$482$372$327$244$223$205$190$165
Allstate$1,034$808$648$475$426$332$301$284$268$237
Progressive$1,237$997$827$459$401$324$288$257$237$203
Farmers$1,407$1,040$926$573$540$409$366$349$332$280

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

2017 Kia Forte Insurance Costs for 16- to 25-Year-Olds

Data filtered by:
Full Coverage
State Farm$679$597$528$456$403$342$311$278$254$224
Geico$817$596$501$365$313$253$234$193$182$165
Nationwide$863$791$728$618$522$338$314$293$277$248
Travelers$886$644$509$394$348$258$236$218$202$174
Allstate$1,097$857$687$506$453$354$321$303$286$253
Progressive$1,496$1,207$1,002$556$484$391$348$310$286$245
Farmers$1,518$1,127$1,004$630$595$455$404$387$367$309

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

2016 Kia Forte Insurance Costs for 16- to 25-Year-Olds

Data filtered by:
Full Coverage
State Farm$702$618$547$472$417$354$322$287$263$231
Geico$827$603$507$368$317$256$236$195$185$167
Nationwide$926$850$783$664$561$363$337$314$297$266
Travelers$933$676$534$413$364$272$248$229$212$183
Allstate$1,160$906$727$535$479$374$340$321$302$267
Farmers$1,527$1,134$1,010$630$595$453$403$386$367$308
Progressive$1,610$1,298$1,077$597$520$420$374$333$307$263

Kia Forte Insurance Cost by Trim

Kia Forte insurance rates change by trim. High-performance SX Hatchback 4D models reach $252 a month for full coverage, while base FE Sedan 4D trims start at $75 for minimum coverage. Performance features and vehicle value determine where each trim falls within that range.

Gt$122$237
Gt-Line$112$218
Lx$100$194
Lxs$102$197
Koup Ex Coupe 2d$104$200
Koup Sx Coupe 2d$109$210
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
Ex Sedan 4d$94$181
Lx Sedan 4d$96$186
Sx Sedan 4d$110$211
Ex Hatchback 4d$114$219
Sx Hatchback 4d$131$252
5 Sx Hatchback 4d$92$179
5 Lx Hatchback 4d$93$180
5 Ex Hatchback 4d$100$193

Kia Forte Insurance Cost by State

Minimum coverage for a Kia Forte ranges from $34 a month in Wyoming to $188 in Louisiana. State risk factors and insurance regulations drive these differences, not the vehicle 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

How to Lower the Cost of Kia Forte Insurance

These tips help you lower your Kia Forte insurance costs and find better rates:

  1. 1
    Choose the right coverage

    How much coverage to buy for a Kia Forte depends on whether the vehicle is owned, financed or leased. Owners should meet at least their state's minimum liability requirements plus comprehensive and collision coverage with a $1,000 deductible to help lower premiums. 

    Drivers who want more protection may prefer 100/300/100 liability coverage with comprehensive and collision and a $500 deductible. Drivers with financed or leased vehicles usually need 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.

  2. 2
    Research costs and cheap companies

    Average auto insurance costs for compact sedans give you a baseline for what you should pay. From there, you can identify the cheapest car insurance companies offering competitive rates in your area.

  3. 3
    Look for more than just low rates

    Reliable car insurance comes down to more than the quoted price. J.D. Power satisfaction ratings, forum feedback on claims, Better Business Bureau complaints and AM Best financial stability scores all tell you how an insurer performs when it counts. Budget insurers may offer limited coverage or slower service when you need them most.

  4. 4
    Take advantage of available discounts

    Several car insurance discounts apply to Kia Forte owners. Safety features, good driver history, multi-vehicle policies and bundling with home insurance can all bring your annual premium down. The savings add up when you qualify for more than one.

  5. 5
    Try other types of car insurance coverage

    Kia Forte owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and offer premium reductions based on your actual driving behavior rather than general risk factors.

  6. 6
    Check rates every year

    Request car insurance quotes from multiple companies every year. Your insurer won't notify you when competitors lower their prices, and yearly comparisons can save up to 24% on Kia Forte insurance. Mark your calendar at each renewal period to stay on top of rate changes.

Kia Forte Insurance Cost: Bottom Line

Kia Forte insurance costs are about average, but there are still ways to lower your rates. Compare quotes from multiple insurers, maximize available discounts and adjust your coverage options to find more affordable pricing.

Kia Forte Insurance Rates: FAQ

What is the average cost of car insurance for a Kia Forte?

What company has the cheapest car insurance for a Kia Forte?

Are Kia Fortes expensive to insure?

What factors affect insurance costs for Kia Fortes?

How can I lower Kia Forte insurance costs?

How We Determined Kia Forte Insurance Costs

We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine 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 headshot

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers. 

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships. 

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others. 

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!