2021 Kia Forte Car Insurance Calculator

Learn and understand how life choices impact the cost of car insurance for a 2021 Kia Forte. Ajust options like gender of the driver, whether you're married or single, and the state and city you live in to see how insurance rates are affected. Instantly discover whether your choice results in cheaper or more expensive rates.

The average estimated car insurance premium for a 2021 Kia Forte is $1,974 per year, or about $165 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,974

Cost Per Month

$165

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Kia Forte Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2021 Kia Forte.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,974
Average Rate
Your Rate
$1,974

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2021 Kia Forte trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2021 Kia Forte is $1,974.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2021 Kia Forte vs. the Small Car Segment

The table below compares insurance rates for the 2021 Kia Forte against all other models in the small car segment. The Kia Forte is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Kia Forte, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Kia Forte.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2021 Kia Forte Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Spark$1,630-$344
2Kia Rio5$1,722-$252
3Toyota Corolla$1,736-$238
4Volkswagen Golf$1,788-$186
5Subaru Impreza$1,830-$144
6Nissan Sentra$1,872-$102
7Mazda 3$1,884-$90
8Honda Civic$1,918-$56
9Kia Rio$1,928-$46
10Hyundai Accent$1,944-$30
11Kia Forte$1,974--
2021 Small Car Average$2,056$82
12Toyota Prius$2,086$112
13Hyundai Veloster$2,152$178
14Volkswagen Jetta$2,156$182
15Nissan Versa$2,164$190
16Volkswagen GTI$2,168$194
17Nissan Leaf$2,190$216
18Mitsubishi Mirage G4$2,192$218
19Honda Clarity$2,272$298
20Hyundai Elantra$2,298$324
21Hyundai Ioniq$2,340$366
22Toyota 86$2,478$504
23Toyota Mirai$2,574$600

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2021 Forte Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 Kia Forte.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2021 Kia Forte Insurance Rates by Trim Level
2021 Kia Forte Trim Level Annual Premium Cost Per Month
FE Sedan$1,884$157
LXS Sedan$1,930$161
EX Sedan$1,996$166
GT-Line Sedan$1,996$166
GT Sedan$2,058$172

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2021 Kia Forte for different driver ages.

2021 Kia Forte Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,100$592
17$6,838$570
18$6,053$504
19$5,544$462
20$4,232$353
21$4,037$336
22$3,604$300
23$2,991$249
24$2,817$235
25$2,286$191
30$2,094$175
35$2,030$169
40$1,974$165
45$1,850$154
50$1,758$147
55$1,640$137
60$1,644$137
65$1,748$146
70$1,902$159
75$2,254$188
80$2,776$231

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Kia Forte trim levels.