Honda Civic vs. Kia Forte – Which Costs Less to Insure?

• A 2024 Honda Civic has more affordable car insurance rates than a 2024 Kia Forte by an average of $218 per year, $2,124 compared to $2,342.
• For a 2024 Honda Civic, average full-coverage car insurance rates range from $1,900 to $2,516 per year, while car insurance cost for a 2024 Kia Forte ranges from $2,244 to $2,438.
• Out of 15 models in the 2024 small car segment, the Honda Civic ranks third and the Kia Forte ranks eighth for most affordable car insurance.
• The LX and LX Hatchback trims are the cheapest Honda Civic models to insure, while the LX and LXS trims are the cheapest Kia Forte models to insure.

Does insurance cost less for a Honda Civic or Kia Forte?

Insurance on a 2024 Honda Civic costs an average of $2,124 per year, whereas the 2024 Kia Forte costs an average of $2,342 per year, making the Honda Civic the cheaper of the two models to insure.

Out of 10 trims for the 2024 Honda Civic, the cheapest rates are on the LX model at a cost of $1,900 per year, or $158 per month. For the five trim levels available for the Kia Forte, the cheapest 2024 model to insure is the LX model at a cost of $2,244 per year, or about $187 per month.

When comparing rates by trim level for both models, the cheapest vehicle to insure is the Honda Civic LX at an average rate of $1,900 per year, and the overall most expensive vehicle to insure is the Honda Civic Type R costing an average of $2,516 per year.

The table shown below ranks the cost of car insurance for 2024 Honda Civic and Kia Forte models, showing cost for each trim level of both models.

The chart below illustrates the average cost to insure the two models for drivers aged 20 to 50. Average insurance cost ranges from $1,884 to $4,214 per year for a 2024 Honda Civic, and $2,092 to $4,616 for a 2024 Kia Forte for the illustrated age groups.

The next two tables show trim level insurance rates for each 2024 model, including the average rate for each model. The cheapest of the two models to insure for the 2024 model year is the Honda Civic.

2023 Honda Civic vs. Kia Forte

For 2023, the model having more affordable car insurance is the Honda Civic. Insurance rates for the Honda Civic average $2,268 per year, and insurance for the Kia Forte averages $2,286 per year.

For the eight trims available for the 2023 Honda Civic, the cheapest model to insure is the Sport model at an average cost of $2,114 per year. Out of the five trims available for the Kia Forte, the cheapest 2023 trim level to insure is the LX model at a cost of $2,192 per year, or $183 per month.

When comparing rates by trim level for both models, the lowest-cost model and trim level to insure is the Honda Civic Sport at an average cost of $2,114 per year, and the most expensive trim is the Honda Civic Type R at a cost of $2,504 per year.

The table shown below compares and ranks the cost of car insurance for 2023 Honda Civic and Kia Forte models, showing average cost by trim level for each model.

The chart shown below illustrates the average cost to insure both models using drivers aged 20 to 50. The average cost of car insurance ranges from $2,016 to $4,538 per year for a 2023 Honda Civic, and $2,036 to $4,560 for a 2023 Kia Forte for the age groups used in this illustration.

The tables shown below illustrate average cost to insure each trim level for a 2023 Honda Civic and Kia Forte, including an overall average rate. The 2023 Honda Civic has cheaper overall car insurance rates than the 2023 Kia Forte.

2022 Honda Civic vs. Kia Forte

For the 2022 model year, the model with cheaper average insurance rates is the Honda Civic. Insurance rates on a Honda Civic cost an average of $2,160 per year, whereas insurance for the Kia Forte averages $2,238 per year.

The actual cost of car insurance can vary noticeably depending on the trim level of the vehicle being insured, however. For a 2022 Honda Civic, rates range from the lowest full-coverage rate of $2,008 per year for the LX model up to $2,354 for the Type R model. For a 2022 Kia Forte, rates can range from $2,142 per year for the FE model up to $2,324 for the most expensive GT model.

When comparing both models, the lowest-cost model and trim is the Honda Civic LX at an average cost of $2,008 per year, and the most expensive vehicle to insure is the Honda Civic Type R at an average of $2,354 per year.

For a 2022 Honda Civic, the cheapest models are the LX, LX Hatchback, and Sport. The cheapest Kia Forte models include the FE, LXS, and GT-Line.

Average car insurance rates for all 2022 Honda Civic and Kia Forte trim levels range from $167 to $196 per month.

The table below compares annual and monthly car insurance cost for a 2022 Honda Civic and Kia Forte. Rates for both models are combined and sorted from lowest to highest cost to allow for easy comparison of cost for individual models.

The next chart shows the average cost to insure both models for drivers aged 20 to 50. The average cost of car insurance ranges from $1,924 to $4,324 per year for a 2022 Honda Civic, and $1,996 to $4,490 for a 2022 Kia Forte for the included driver ages.

For the 11 trim levels available for the 2022 Honda Civic, the cheapest trim to insure is the LX trim at an average cost of $2,008 per year. Out of the five trims available for the Kia Forte, the cheapest 2022 trim to insure is the FE model at a cost of $2,142 per year, or $179 per month.

When looking at the aggregated rates by trim for both models, the most affordable model and trim level to insure is the Honda Civic LX at an average of $2,008 per year, and the most expensive model and trim level is the Honda Civic Type R costing an average of $2,354 per year.

The rate tables below illustrate all the available trims for both 2022 models, including an overall average rate.

2021 Honda Civic vs. Kia Forte

When comparing insurance rates for 2021 models, a Honda Civic costs an average of $1,964 per year to insure and a Kia Forte costs $2,020, making the Honda Civic cheaper to insure by $56 per year for 2021.

The chart below visualizes the average cost to insure the two models for a range of driver ages. Insurance cost ranges from $1,750 to $3,932 per year for a 2021 Honda Civic, and $1,798 to $4,050 for a 2021 Kia Forte.

For the 13 trim levels available for the 2021 Honda Civic, the cheapest trim to insure is the LX Sedan trim at an average cost of $1,772 per year, or about $148 per month.

Out of the five trims available for the Kia Forte, the cheapest 2021 trim to insure is the FE Sedan trim at a cost of $1,930.

When all 18 trims of both models are combined and compared, the cheapest model and trim level to insure is the Honda Civic LX Sedan at an average of $1,772 per year. The highest-cost model and trim is the Honda Civic Sport Touring Hatchback at an average cost of $2,412 per year.

The next two rate tables display average car insurance cost by trim level for a 2021 Honda Civic and Kia Forte, along with the average rate for each model. The model with the cheapest overall car insurance rates for 2021 is the Honda Civic.

2020 Honda Civic vs. Kia Forte

For the 2020 Honda Civic and Kia Forte models, the Honda Civic is cheaper to insure by an average of $48 per year for this comparison year.

The chart below visualizes the average cost to insure the two models rated for a variety of different driver ages. For a 2020 Honda Civic, insurance cost ranges from $1,710 to $3,846 per year for the included driver ages. A 2020 Kia Forte costs from $1,748 to $3,938 to insure per year.

For the 17 trim levels available for the 2020 Honda Civic, the cheapest trim level to insure is the LX Sedan model at an average cost of $1,720 per year, or $143 per month. For the five trim levels available for the Kia Forte, the cheapest 2020 trim level to insure is the FE Sedan model at a cost of $1,876.

When comparing aggregated rates for both models from a trim-level perspective, the lowest-cost model and trim level to insure is the Honda Civic LX Sedan at an average cost of $1,720 per year. The highest-cost model and trim level is the Honda Civic Sport Touring Hatchback at an average cost of $2,346 per year.

The two tables below display the average insurance cost by trim level for both 2020 models, plus an average rate for each model. The 2020 Honda Civic has cheaper overall car insurance rates than the 2020 Kia Forte.

2019 Honda Civic vs. Kia Forte

For 2019 Honda Civic and Kia Forte models, the Honda Civic is cheaper to insure by an average of $52 per year.

The chart below illustrates the average cost to insure both models rated for drivers aged 20 to 50. For a 2019 Honda Civic, the average car insurance cost ranges from $1,656 to $3,728 per year for the included age groups. A 2019 Kia Forte costs from $1,710 to $3,838 to insure per year.

Out of 18 trims for the 2019 Honda Civic, the cheapest insurance rates are on the SI Sedan trim at a cost of $1,622 per year, or about $135 per month. The 2019 Kia Forte has four trim levels available, with the cheapest model to insure being the FE Sedan model at an average cost of $1,830 per year.

When auto insurance rates for all 22 trims of both models are combined and sorted by cost, the cheapest model and trim level to insure is the Honda Civic SI Sedan at an average cost of $1,622 per year. The most expensive vehicle to insure is the Honda Civic Sport Touring Hatchback costing $2,112 per year.

The two tables below illustrate all the available trims for both 2019 models, including an overall average rate.

2018 Honda Civic vs. Kia Forte

When comparing insurance rates for 2018 models, a Honda Civic costs an average of $1,832 per year to insure and a Kia Forte costs $2,124, making the Honda Civic cheaper to insure by $292 per year.

The chart shown below illustrates the average cost to insure both 2018 models with different ages of drivers. For a 2018 Honda Civic, average car insurance cost ranges from $1,640 to $3,660 per year for the driver ages used. A 2018 Kia Forte costs from $1,910 to $4,278 to insure per year.

Out of 22 Honda Civic trim levels, the cheapest 2018 model to insure is the SI Sedan trim at an average cost of $1,552 per year, or around $129 per month.

For the seven trim levels available for the Kia Forte, the cheapest 2018 trim to insure is the S Sedan model at a cost of $1,760.

When all 29 trims of both models are combined and compared, the most affordable model and trim level to insure is the Honda Civic SI Sedan at an average cost of $1,552 per year. The most expensive vehicle to insure is the Kia Forte Forte5 SX Hatchback at an average cost of $2,336 per year.

The rate tables below illustrate the expected annual car insurance cost by trim level for both 2018 models, along with an average cost for each model. The 2018 Honda Civic has lower-cost car average car insurance rates than the 2018 Kia Forte.

2017 Honda Civic vs. Kia Forte

When comparing average insurance rates for the 2017 Honda Civic and Kia Forte models, the Honda Civic has cheaper rates by an average of $314 per year.

The chart below shows the average cost to insure the two models for the 20 to 50-year-old driver age groups. For a 2017 Honda Civic, average insurance cost ranges from $1,568 to $3,488 per year for the example age groups. A 2017 Kia Forte costs from $1,856 to $4,150 to insure per year.

Out of 17 trim levels for the 2017 Honda Civic, the cheapest average insurance prices are on the SI Sedan trim at a cost of $1,438 per year. For the six trim levels available for the Kia Forte, the cheapest 2017 trim to insure is the S Sedan trim at a cost of $1,896 per year, or about $158 per month.

When rates for all 23 trim levels for both vehicles are compared, the overall cheapest vehicle to insure is the Honda Civic SI Sedan at an average rate of $1,438 per year, and the most expensive model and trim level is the Kia Forte SX Hatchback at an average of $2,168 per year.

The tables below display the expected annual car insurance cost by trim level for both 2017 models, along with an average cost for each model. The model with the cheapest car insurance rates for 2017 is the Honda Civic.

2016 Honda Civic vs. Kia Forte

When comparing average insurance rates for the 2016 Honda Civic and Kia Forte models, the Honda Civic has cheaper rates by an average of $144 per year.

The chart shown below shows the average cost to insure both models with different ages of drivers. Average car insurance cost ranges from $1,456 to $3,224 per year for a 2016 Honda Civic, and $1,592 to $3,550 for a 2016 Kia Forte for the age groups used in the chart.

Out of 10 Honda Civic trims, the cheapest 2016 model to insure is the LX Sedan trim at an average cost of $1,522 per year. Out of the seven trims available for the Kia Forte, the cheapest 2016 model to insure is the LX Sedan trim at a cost of $1,652 per year, or $138 per month.

When all 17 trims of both models are combined and compared, the overall cheapest vehicle to insure is the Honda Civic LX Sedan at a cost of $1,522 per year. The most expensive model and trim level is the Kia Forte SX Hatchback at a cost of $1,848 per year.

The tables below display trim level insurance cost averages for both 2016 models, along with an average cost for each model. The 2016 Honda Civic can declare victory over the 2016 Kia Forte for cheapest overall car insurance cost.

2015 Honda Civic vs. Kia Forte

For the 2015 Honda Civic and Kia Forte models, the Honda Civic is cheaper to insure by an average of $212 per year.

The chart shown below visualizes the average cost to insure both models using drivers aged 20 to 50. Insurance cost ranges from $1,334 to $2,944 per year for a 2015 Honda Civic, and $1,528 to $3,400 for a 2015 Kia Forte for these driver ages.

The 2015 Honda Civic has 13 trims available, with the cheapest trim to insure being the LX Sedan model at an average cost of $1,328 per year.

For the five trims available for the Kia Forte, the cheapest 2015 trim level to insure is the EX Coupe model at a cost of $1,636 per year, or around $136 per month.

When insurance rates for all 18 trims of both models are combined and sorted by cost, the most affordable model and trim level to insure is the Honda Civic LX Sedan at an average rate of $1,328 per year. The most expensive model and trim level is the Kia Forte EX Hatchback at an average of $1,774 per year.

The next two rate tables illustrate all the available trims for both 2015 models, plus the average rate for each model. The 2015 Honda Civic defeats the 2015 Kia Forte for cheapest auto insurance rates.

Additional Honda Civic and Kia Forte Resources

• Honda Civic Insurance
• Kia Forte Insurance
• Compact Car Insurance Comparisons