Hyundai Elantra vs. Kia Forte Insurance Rates

Does the Hyundai Elantra or Kia Forte have cheaper car insurance rates? We break down average rates by trim level for each model back to 2015 to find out.

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  • At an average cost of $2,542 per year, a 2024 Kia Forte has cheaper car insurance rates than a 2024 Hyundai Elantra by an average of $254 per year.
  • Average car insurance cost per month for the Hyundai Elantra is 10.4% more expensive than the Kia Forte, at $212 versus $191, a difference of $21.
  • Out of 15 models in the 2024 small car segment, the Hyundai Elantra ranks 13th and the Kia Forte ranks eighth for car insurance affordability.

Is insurance cheaper for a Hyundai Elantra or Kia Forte?

When comparing 2024 Hyundai Elantra and Kia Forte models, the model with the cheapest average car insurance rates is the Kia Forte. Insurance on a Hyundai Elantra costs an average of $2,542 per year, whereas insurance for a Kia Forte costs an average of $2,288 per year.

Out of seven Hyundai Elantra trims, the cheapest 2024 trim level to insure is the N model at an average cost of $2,172 per year, or $181 per month. Out of the five trim levels available for the Kia Forte, the cheapest 2024 trim level to insure is the LX model at a cost of $2,190.

When all 12 trims of both models are combined and compared, the cheapest trim is the Hyundai Elantra N at an average of $2,172 per year, and the most expensive vehicle to insure is the Hyundai Elantra Blue Hybrid costing an average of $2,804 per year.

The table shown below compares the 12-month and monthly car insurance cost for 2024 Hyundai Elantra and Kia Forte models, broken down by individual trim level.

2024 Model Year Hyundai Elantra vs. Kia Forte Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,172$181
$2,190$183
$2,214$185
$2,290$191
$2,360$197
$2,380$198
$2,516$210
$2,524$210
$2,546$212
$2,556$213
$2,706$226
$2,804$234

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2024 Hyundai Elantra and a 2024 Kia Forte
Annual and monthly insurance cost by trim level for a 2024 Hyundai Elantra and a 2024 Kia Forte

The chart shown below demonstrates the average cost to insure both 2024 models with different driver age groups. For a 2024 Hyundai Elantra, insurance cost ranges from $2,268 to $5,092 per year for the included age groups. A 2024 Kia Forte costs from $2,040 to $4,502 to insure per year.

Average car insurance premiums for 2024 Hyundai Elantra and Kia Forte models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Hyundai Elantra and Kia Forte models for different driver ages. Rates updated on June 26, 2025.

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Data Methodology: Rates based on a 2024 model year Hyundai Elantra and Kia Forte. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Hyundai Elantra vs. Kia Forte Insurance Cost
Driver Age Hyundai Elantra Kia Forte
18-Year-Old$7,797$6,851
20-Year-Old$5,092$4,502
25-Year-Old$2,950$2,642
30-Year-Old$2,706$2,432
40-Year-Old$2,542$2,288
50-Year-Old$2,268$2,040
60-Year-Old$2,118$1,904

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated June 26, 2025

The next two rate tables show trim level insurance rates for each 2024 model, plus an average rate for each model. The cheapest of the two models to insure for the 2024 model year is the Kia Forte.

2024 Hyundai Elantra

$2,542

Insurance Rates by Trim Level for a 2024 Hyundai Elantra
2024 Hyundai Elantra TrimsRate
N$2,172
Limited2,516
Limited Hybrid2,524
N Line2,546
SEL2,556
SE2,706
Blue Hybrid2,804
2024 Hyundai Elantra Average Rate$2,542

2024 Kia Forte

$2,288

Insurance Rates by Trim Level for 2024 Hyundai Elantra
2024 Kia Forte TrimsRate
LX$2,190
LXS2,214
GT-Line2,290
GT2,360
GT Manual2,380
2024 Kia Forte Average Rate$2,288

2023 Hyundai Elantra vs. Kia Forte

For 2023 Elantra and Forte models, the cheaper model to insure on average is the Kia Forte. Insurance rates for the Hyundai Elantra average $2,482 per year, whereas insurance for a Kia Forte averages $2,230 per year.

Out of seven trims for the 2023 Hyundai Elantra, the cheapest car insurance rates are on the SEL model at a cost of $2,210 per year, or about $184 per month.

For the five trims available for the Kia Forte, the cheapest 2023 trim to insure is the LX trim at a cost of $2,140 per year, or about $178 per month.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest trim to insure is the Kia Forte LX at an average cost of $2,140 per year, and the highest-cost model and trim level is the Hyundai Elantra N at an average of $2,702 per year.

From a monthly standpoint, car insurance rates for all 2023 Hyundai Elantra and Kia Forte models and trims range from $178 to $225 per month.

The table shown below compares and ranks the annual and monthly car insurance cost for 2023 Hyundai Elantra and Kia Forte models, showing average cost for each trim level.

2023 Model Year Hyundai Elantra vs. Kia Forte Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,140$178
$2,162$180
$2,210$184
$2,224$185
$2,298$192
$2,302$192
$2,324$194
$2,376$198
$2,572$214
$2,586$216
$2,630$219
$2,702$225

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025

Annual and monthly insurance cost by trim level for a 2023 Hyundai Elantra and a 2023 Kia Forte
Annual and monthly insurance cost by trim level for a 2023 Hyundai Elantra and a 2023 Kia Forte

The next chart shows the average cost to insure the two models for different driver ages. Average car insurance cost ranges from $2,220 to $4,954 per year for a 2023 Hyundai Elantra, and $1,988 to $4,450 for a 2023 Kia Forte for the illustrated age groups.

Average car insurance premiums for 2023 Hyundai Elantra and Kia Forte models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Hyundai Elantra and Kia Forte models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2023 model year Hyundai Elantra and Kia Forte. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Hyundai Elantra vs. Kia Forte Insurance Cost
Driver Age Hyundai Elantra Kia Forte
18-Year-Old$7,569$6,805
20-Year-Old$4,954$4,450
25-Year-Old$2,872$2,580
30-Year-Old$2,634$2,368
40-Year-Old$2,482$2,230
50-Year-Old$2,220$1,988
60-Year-Old$2,072$1,856

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 27, 2025

The rate tables below illustrate average car insurance cost by trim level for each 2023 model, plus an average rate for each model.

2023 Hyundai Elantra

$2,482

Insurance Rates by Trim Level for a 2023 Hyundai Elantra
2023 Hyundai Elantra TrimsRate
SEL$2,210
Hybrid Blue2,298
SE2,376
Limited2,572
N Line2,586
Hybrid Limited2,630
N2,702
2023 Hyundai Elantra Average Rate$2,482

2023 Kia Forte

$2,230

Insurance Rates by Trim Level for 2023 Hyundai Elantra
2023 Kia Forte TrimsRate
LX$2,140
LXS2,162
GT-Line2,224
GT2,302
GT Manual2,324
2023 Kia Forte Average Rate$2,230

2022 Hyundai Elantra vs. Kia Forte

Insurance rates for a 2022 Hyundai Elantra average $2,408 per year, while insurance for a Kia Forte costs an average of $2,184 per year, making the Kia Forte the model with cheaper overall insurance rates.

Within each model, however, insurance cost varies greatly depending on the exact trim level of the vehicle being insured. For a 2022 Hyundai Elantra, insurance rates range from the cheapest rate of $2,118 per year for the SEL model up to the most expensive rate of $2,618 for the N model. For a 2022 Kia Forte, rates range from $2,090 per year for the FE model up to $2,270 for the GT model.

When comparing rates by trim level for both models, the lowest-cost model and trim is the Kia Forte FE at an average cost of $2,090 per year. The most expensive model and trim level is the Hyundai Elantra N at an average cost of $2,618 per year.

For a 2022 Hyundai Elantra, the cheapest models are the SEL, Hybrid Blue, and SE. The cheapest Kia Forte models include the FE, LXS, and GT-Line. From a cost-per-month basis, car insurance rates for all 2022 Hyundai Elantra and Kia Forte models range from $174 to $218 per month.

The rate table below compares and ranks the cost of car insurance for 2022 Hyundai Elantra and Kia Forte models, showing average cost for every trim level.

2022 Model Year Hyundai Elantra vs. Kia Forte Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,090$174
$2,118$177
$2,138$178
$2,184$182
$2,204$184
$2,222$185
$2,270$189
$2,326$194
$2,506$209
$2,518$210
$2,592$216
$2,618$218

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2022 Hyundai Elantra and a 2022 Kia Forte
Annual and monthly insurance cost by trim level for a 2022 Hyundai Elantra and a 2022 Kia Forte

The next chart shows the average cost to insure both models with different drivers at the wheel. For a 2022 Hyundai Elantra, the average car insurance cost ranges from $2,152 to $4,846 per year for the included driver ages. A 2022 Kia Forte costs from $1,948 to $4,382 to insure per year.

Average car insurance premiums for 2022 Hyundai Elantra and Kia Forte models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Hyundai Elantra and Kia Forte models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2022 model year Hyundai Elantra and Kia Forte. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2022 Hyundai Elantra vs. Kia Forte Insurance Cost
Driver Age Hyundai Elantra Kia Forte
18-Year-Old$7,422$6,714
20-Year-Old$4,846$4,382
25-Year-Old$2,790$2,530
30-Year-Old$2,552$2,322
40-Year-Old$2,408$2,184
50-Year-Old$2,152$1,948
60-Year-Old$2,012$1,820

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2022 model year. Updated June 27, 2025

How does car insurance cost for a 2022 Hyundai Elantra compare to a Kia Forte?

  • The cheapest 2022 Hyundai Elantra insurance is on the SEL costing $2,118 per year. The cheapest 2022 Kia Forte to insure is the FE costing $2,090 per year.
  • Average car insurance cost per month for the Hyundai Elantra is 9.9% more expensive than the Kia Forte, at $201 versus $182, a difference of $19.
  • When compared to the national average car insurance rate of $2,221 per year, the Hyundai Elantra costs $187 more per year, while the Kia Forte costs $37 less per year.
  • For a 19-year-old driver, insurance on a Hyundai Elantra costs an average of $6,819 per year and Kia Forte insurance costs an average of $6,156 per year, a difference of $663 per year.
  • A high deductible policy could save as much as $326 per year for the Hyundai Elantra and $308 for the Kia Forte.
  • When comparing the most expensive models of each vehicle to insure, the most expensive 2022 Hyundai Elantra to insure is the N at $2,618 per year. The most expensive 2022 Kia Forte to insure is the GT at $2,270 per year.
  • For a 17-year-old driver, insurance on a Hyundai Elantra costs an average of $8,463 per year and Kia Forte insurance costs an average of $7,612 per year, a difference of $851 per year.
  • A low deductible policy could cost up to $628 more per year for the Hyundai Elantra and $598 for the Kia Forte.

For the seven trim levels available for the 2022 Hyundai Elantra, the cheapest trim level to insure is the SEL trim at an average cost of $2,118 per year, or around $177 per month.

The 2022 Kia Forte has five trim levels available, with the cheapest trim to insure being the FE trim at an average cost of $2,090 per year, or $174 per month.

When insurance rates for all 12 trims of both models are combined and sorted by cost, the cheapest vehicle to insure is the Kia Forte FE at a cost of $2,090 per year, and the most expensive vehicle to insure is the Hyundai Elantra N costing an average of $2,618 per year.

The rate tables below show the cost to insure the available trim levels for both 2022 models, along with an average cost for each model. The 2022 Kia Forte has cheaper overall car insurance rates than the 2022 Hyundai Elantra.

2022 Hyundai Elantra

$2,408

Insurance Rates by Trim Level for a 2022 Hyundai Elantra
2022 Hyundai Elantra TrimsRate
SEL$2,118
Hybrid Blue2,184
SE2,326
N Line2,506
Limited2,518
Hybrid Limited2,592
N2,618
2022 Hyundai Elantra Average Rate$2,408

2022 Kia Forte

$2,184

Insurance Rates by Trim Level for 2022 Hyundai Elantra
2022 Kia Forte TrimsRate
FE$2,090
LXS2,138
GT-Line2,204
GT Manual2,222
GT2,270
2022 Kia Forte Average Rate$2,184

2021 Hyundai Elantra vs. Kia Forte

When comparing insurance rates for 2021 models, a Hyundai Elantra costs an average of $2,298 per year to insure and a Kia Forte costs $1,974, making the Kia Forte cheaper to insure by $324 per year for 2021.

The chart below demonstrates the average cost to insure both models for the 20, 30, 40, and 50-year-old driver age groups. For a 2021 Hyundai Elantra, the average car insurance cost ranges from $2,060 to $4,644 per year for these driver ages. A 2021 Kia Forte costs from $1,758 to $3,952 to insure per year.

Average car insurance premiums for 2021 Hyundai Elantra and Kia Forte models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Hyundai Elantra and Kia Forte models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2021 model year Hyundai Elantra and Kia Forte. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2021 Hyundai Elantra vs. Kia Forte Insurance Cost
Driver Age Hyundai Elantra Kia Forte
18-Year-Old$7,116$6,053
20-Year-Old$4,644$3,952
25-Year-Old$2,662$2,286
30-Year-Old$2,432$2,094
40-Year-Old$2,298$1,974
50-Year-Old$2,060$1,758
60-Year-Old$1,928$1,644

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2021 model year. Updated June 27, 2025

For the six trims available for the 2021 Hyundai Elantra, the cheapest model to insure is the SEL Sedan trim at an average cost of $1,846 per year, or around $154 per month.

For the five trim levels available for the Kia Forte, the cheapest 2021 trim to insure is the FE Sedan model at a cost of $1,884 per year, or $157 per month.

When trim-level rates for both models are compared, the most affordable model and trim level to insure is the Hyundai Elantra SEL Sedan at an average of $1,846 per year, and the most expensive vehicle to insure is the Hyundai Elantra Sport Sedan costing $2,550 per year.

The next tables show average car insurance cost by trim level for each 2021 model, along with an average cost for each model. The 2021 Kia Forte has more affordable average car insurance rates than the 2021 Hyundai Elantra.

2021 Hyundai Elantra

$2,298

Insurance Rates by Trim Level for a 2021 Hyundai Elantra
2021 Hyundai Elantra TrimsRate
SEL Sedan$1,846
EcoSedan1,912
SE Sedan2,440
Value Edition Sedan2,504
Limited Sedan2,550
Sport Sedan2,550
2021 Hyundai Elantra Average Rate$2,298

2021 Kia Forte

$1,974

Insurance Rates by Trim Level for 2021 Hyundai Elantra
2021 Kia Forte TrimsRate
FE Sedan$1,884
LXS Sedan1,930
EX Sedan1,996
GT-Line Sedan1,996
GT Sedan2,058
2021 Kia Forte Average Rate$1,974

2020 Hyundai Elantra vs. Kia Forte

When comparing insurance rates for the 2020 Hyundai Elantra and Kia Forte models, the Kia Forte has cheaper rates by an average of $314 per year for 2020.

The rate chart below visualizes the average cost to insure both models using a range of rated driver ages. Average car insurance cost ranges from $1,998 to $4,504 per year for a 2020 Hyundai Elantra, and $1,708 to $3,840 for a 2020 Kia Forte for the illustrated age groups.

Average car insurance premiums for 2020 Hyundai Elantra and Kia Forte models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Hyundai Elantra and Kia Forte models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2020 model year Hyundai Elantra and Kia Forte. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2020 Hyundai Elantra vs. Kia Forte Insurance Cost
Driver Age Hyundai Elantra Kia Forte
18-Year-Old$6,906$5,878
20-Year-Old$4,504$3,840
25-Year-Old$2,584$2,222
30-Year-Old$2,360$2,034
40-Year-Old$2,230$1,916
50-Year-Old$1,998$1,708
60-Year-Old$1,870$1,598

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2020 model year. Updated June 27, 2025

The 2020 Hyundai Elantra has eight trim levels available, with the cheapest model to insure being the SEL Sedan trim at an average cost of $1,798 per year.

For the five trim levels available for the Kia Forte, the cheapest 2020 trim level to insure is the FE Sedan trim at a cost of $1,834.

When comparing aggregated rates for both models from a trim-level perspective, the lowest-cost model and trim to insure is the Hyundai Elantra SEL Sedan at an average cost of $1,798 per year, and the most expensive model and trim level is the Hyundai Elantra GT N Line Sedan at an average of $2,546 per year.

The tables shown below display the cost to insure the available trim levels for both 2020 models, as well as the overall average rate for each model. The winner for the 2020 car insurance cost comparison is the Kia Forte.

2020 Hyundai Elantra

$2,230

Insurance Rates by Trim Level for a 2020 Hyundai Elantra
2020 Hyundai Elantra TrimsRate
SEL Sedan$1,798
EcoSedan1,858
GT Hatchback1,858
SE Sedan2,378
Value Edition Sedan2,442
Limited Sedan2,484
Sport Sedan2,484
GT N Line Sedan2,546
2020 Hyundai Elantra Average Rate$2,230

2020 Kia Forte

$1,916

Insurance Rates by Trim Level for 2020 Hyundai Elantra
2020 Kia Forte TrimsRate
FE Sedan$1,834
LXS Sedan1,876
EX Sedan1,938
GT-Line Sedan1,938
GT Sedan2,000
2020 Kia Forte Average Rate$1,916

2019 Hyundai Elantra vs. Kia Forte

When comparing insurance cost for 2019 models, a Hyundai Elantra costs an average of $2,096 per year to insure and a Kia Forte costs $1,862, making the Kia Forte cheaper to insure by $234 per year.

The rate chart below illustrates the average cost to insure both models for four different driver age groups. The average cost of car insurance ranges from $1,878 to $4,242 per year for a 2019 Hyundai Elantra, and $1,668 to $3,746 for a 2019 Kia Forte.

Average car insurance premiums for 2019 Hyundai Elantra and Kia Forte models for different driver ages.
Figure 6: Average car insurance premiums for 2019 Hyundai Elantra and Kia Forte models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2019 model year Hyundai Elantra and Kia Forte. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2019 Hyundai Elantra vs. Kia Forte Insurance Cost
Driver Age Hyundai Elantra Kia Forte
18-Year-Old$6,504$5,736
20-Year-Old$4,242$3,746
25-Year-Old$2,426$2,156
30-Year-Old$2,214$1,970
40-Year-Old$2,096$1,862
50-Year-Old$1,878$1,668
60-Year-Old$1,758$1,560

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2019 model year. Updated June 26, 2025

Out of eight trim levels for the 2019 Hyundai Elantra, the cheapest auto insurance rates are on the SEL Sedan trim at a cost of $1,848 per year. For the four trims available for the Kia Forte, the cheapest 2019 trim level to insure is the FE Sedan trim at a cost of $1,784.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim level to insure is the Kia Forte FE Sedan at an average rate of $1,784 per year, and the highest-cost model and trim is the Hyundai Elantra GT N Line Sedan at an average cost of $2,314 per year.

The tables below show both 2019 models and all trim levels available for each one, including an overall average cost for each model.

2019 Hyundai Elantra

$2,096

Insurance Rates by Trim Level for a 2019 Hyundai Elantra
2019 Hyundai Elantra TrimsRate
SEL Sedan$1,848
EcoSedan1,908
GT Hatchback1,908
SE Sedan2,094
Value Edition Sedan2,196
Limited Sedan2,254
Sport Sedan2,254
GT N Line Sedan2,314
2019 Hyundai Elantra Average Rate$2,096

2019 Kia Forte

$1,862

Insurance Rates by Trim Level for 2019 Hyundai Elantra
2019 Kia Forte TrimsRate
FE Sedan$1,784
LX Sedan1,866
S Sedan1,884
EX Sedan1,916
2019 Kia Forte Average Rate$1,862

2018 Hyundai Elantra vs. Kia Forte

When comparing average insurance rates for the 2018 Hyundai Elantra and Kia Forte models, the Hyundai Elantra is cheaper to insure by an average of $8 per year.

The chart shown below demonstrates the average cost to insure both models for the 20 to 50-year-old driver age groups. Average car insurance cost ranges from $1,854 to $4,168 per year for a 2018 Hyundai Elantra, and $1,864 to $4,174 for a 2018 Kia Forte.

Average car insurance premiums for 2018 Hyundai Elantra and Kia Forte models for different driver ages.
Figure 7: Average car insurance premiums for 2018 Hyundai Elantra and Kia Forte models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2018 model year Hyundai Elantra and Kia Forte. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2018 Hyundai Elantra vs. Kia Forte Insurance Cost
Driver Age Hyundai Elantra Kia Forte
18-Year-Old$6,385$6,383
20-Year-Old$4,168$4,174
25-Year-Old$2,390$2,398
30-Year-Old$2,182$2,188
40-Year-Old$2,064$2,072
50-Year-Old$1,854$1,864
60-Year-Old$1,736$1,742

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2018 model year. Updated June 27, 2025

Out of eight Hyundai Elantra trims, the cheapest 2018 model to insure is the GT Sport Hatchback model at an average cost of $1,590 per year. The 2018 Kia Forte has seven trims available, with the cheapest trim level to insure being the S Sedan model at an average cost of $1,716 per year, or around $143 per month.

When comparing both models at a trim-level basis, the lowest-cost model and trim level to insure is the Hyundai Elantra GT Sport Hatchback at an average rate of $1,590 per year. The most expensive model and trim level is the Kia Forte Forte5 SX Hatchback costing an average of $2,282 per year.

The next two rate tables show average car insurance cost by trim level for a 2018 Hyundai Elantra and Kia Forte, including an overall average cost for each model. The model with the cheapest overall car insurance cost for 2018 is the Hyundai Elantra.

2018 Hyundai Elantra

$2,064

Insurance Rates by Trim Level for a 2018 Hyundai Elantra
2018 Hyundai Elantra TrimsRate
GT Sport Hatchback$1,590
SE Sedan2,022
GT Hatchback2,116
SEL Sedan2,116
Value Edition Sedan2,116
EcoSedan Turbo2,172
Sport Sedan2,172
Limited Sedan2,228
2018 Hyundai Elantra Average Rate$2,064

2018 Kia Forte

$2,072

Insurance Rates by Trim Level for 2018 Hyundai Elantra
2018 Kia Forte TrimsRate
S Sedan$1,716
LX Sedan1,982
Forte5 LX Hatchback2,076
EX Sedan2,134
SX Sedan2,134
Forte5 EX Hatchback2,188
Forte5 SX Hatchback2,282
2018 Kia Forte Average Rate$2,072

2017 Hyundai Elantra vs. Kia Forte

When comparing car insurance rates for 2017 models, a Hyundai Elantra costs an average of $2,074 per year to insure and a Kia Forte costs $2,008, making the Kia Forte cheaper to insure by $66 per year for this comparison year.

The next chart illustrates the average cost to insure both models using a range of rated driver ages. The average car insurance cost ranges from $1,864 to $4,190 per year for a 2017 Hyundai Elantra, and $1,812 to $4,050 for a 2017 Kia Forte.

Average car insurance premiums for 2017 Hyundai Elantra and Kia Forte models for different driver ages.
Figure 8: Average car insurance premiums for 2017 Hyundai Elantra and Kia Forte models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2017 model year Hyundai Elantra and Kia Forte. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2017 Hyundai Elantra vs. Kia Forte Insurance Cost
Driver Age Hyundai Elantra Kia Forte
18-Year-Old$6,411$6,192
20-Year-Old$4,190$4,050
25-Year-Old$2,398$2,324
30-Year-Old$2,188$2,120
40-Year-Old$2,074$2,008
50-Year-Old$1,864$1,812
60-Year-Old$1,744$1,690

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2017 model year. Updated June 26, 2025

Out of five trims for the 2017 Hyundai Elantra, the cheapest car insurance rates are on the SE Sedan trim at a cost of $1,960 per year. Out of the six trim levels available for the Kia Forte, the cheapest 2017 trim to insure is the S Sedan model at a cost of $1,850 per year, or about $154 per month.

When rates are compared for the 11 trim levels of both 2017 models, the most affordable model and trim level to insure is the Kia Forte S Sedan at an average rate of $1,850 per year, and the highest-cost model and trim level is the Hyundai Elantra Limited Sedan at an average of $2,154 per year.

The next two tables illustrate average cost to insure each trim level for a 2017 Hyundai Elantra and Kia Forte, along with an average cost for each model.

2017 Hyundai Elantra

$2,074

Insurance Rates by Trim Level for a 2017 Hyundai Elantra
2017 Hyundai Elantra TrimsRate
SE Sedan$1,960
GT Hatchback2,050
EcoSedan2,102
Sport Sedan2,102
Limited Sedan2,154
2017 Hyundai Elantra Average Rate$2,074

2017 Kia Forte

$2,008

Insurance Rates by Trim Level for 2017 Hyundai Elantra
2017 Kia Forte TrimsRate
S Sedan$1,850
LX Sedan1,952
LX Hatchback2,012
EX Hatchback2,066
EX Sedan2,066
SX Hatchback2,118
2017 Kia Forte Average Rate$2,008

2016 Hyundai Elantra vs. Kia Forte

When comparing average insurance cost for 2016 models, the Hyundai Elantra costs an average of $1,760 per year to insure and the Kia Forte costs $1,724, making the Kia Forte the winner by $36 for this model year.

The rate chart below illustrates the average cost to insure both models rated for a variety of different driver ages. Average insurance cost ranges from $1,590 to $3,542 per year for a 2016 Hyundai Elantra, and $1,554 to $3,464 for a 2016 Kia Forte for these driver ages.

Average car insurance premiums for 2016 Hyundai Elantra and Kia Forte models for different driver ages.
Figure 9: Average car insurance premiums for 2016 Hyundai Elantra and Kia Forte models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2016 model year Hyundai Elantra and Kia Forte. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2016 Hyundai Elantra vs. Kia Forte Insurance Cost
Driver Age Hyundai Elantra Kia Forte
18-Year-Old$5,402$5,288
20-Year-Old$3,542$3,464
25-Year-Old$2,032$1,996
30-Year-Old$1,856$1,820
40-Year-Old$1,760$1,724
50-Year-Old$1,590$1,554
60-Year-Old$1,480$1,450

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2016 model year. Updated June 26, 2025

Out of five trims for the 2016 Hyundai Elantra, the cheapest average car insurance prices are on the SE Sedan model at a cost of $1,674 per year, or about $140 per month.

The 2016 Kia Forte has seven trims available, with the cheapest model to insure being the LX Sedan trim at an average cost of $1,612 per year.

When looking at the aggregated rates by trim for both models, the lowest-cost model and trim to insure is the Kia Forte LX Sedan at an average rate of $1,612 per year. The most expensive vehicle to insure is the Kia Forte SX Hatchback costing $1,806 per year.

The tables shown below show the average cost to insure all 2016 trim levels, plus the average rate for each model. The winner for the 2016 car insurance cost comparison is the Kia Forte.

2016 Hyundai Elantra

$1,760

Insurance Rates by Trim Level for a 2016 Hyundai Elantra
2016 Hyundai Elantra TrimsRate
SE Sedan$1,674
GT Hatchback1,756
Value Edition Sedan1,756
Limited Sedan1,806
Sport Sedan1,806
2016 Hyundai Elantra Average Rate$1,760

2016 Kia Forte

$1,724

Insurance Rates by Trim Level for 2016 Hyundai Elantra
2016 Kia Forte TrimsRate
LX Sedan$1,612
EX Coupe1,644
SX Coupe1,692
EX Sedan1,756
LX Hatchback1,756
EX Hatchback1,806
SX Hatchback1,806
2016 Kia Forte Average Rate$1,724

2015 Hyundai Elantra vs. Kia Forte

When comparing car insurance rates for the 2015 Hyundai Elantra and Kia Forte models, the Hyundai Elantra has cheaper rates by an average of $126 per year.

The rate chart below displays the average cost to insure the two models for different driver ages. For a 2015 Hyundai Elantra, insurance cost ranges from $1,380 to $3,048 per year for these driver ages. A 2015 Kia Forte costs from $1,492 to $3,318 to insure per year.

Average car insurance premiums for 2015 Hyundai Elantra and Kia Forte models for different driver ages.
Figure 10: Average car insurance premiums for 2015 Hyundai Elantra and Kia Forte models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2015 model year Hyundai Elantra and Kia Forte. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2015 Hyundai Elantra vs. Kia Forte Insurance Cost
Driver Age Hyundai Elantra Kia Forte
18-Year-Old$4,637$5,057
20-Year-Old$3,048$3,318
25-Year-Old$1,764$1,906
30-Year-Old$1,612$1,742
40-Year-Old$1,528$1,654
50-Year-Old$1,380$1,492
60-Year-Old$1,290$1,392

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2015 model year. Updated June 27, 2025

For the four trims available for the 2015 Hyundai Elantra, the cheapest trim level to insure is the SE Sedan model at an average cost of $1,474 per year, or $123 per month. Out of the five trim levels available for the Kia Forte, the cheapest 2015 trim to insure is the EX Coupe model at a cost of $1,598.

When trim-level rates for both models are compared, the overall cheapest vehicle to insure is the Hyundai Elantra SE Sedan at an average of $1,474 per year, and the most expensive model and trim level is the Kia Forte EX Hatchback costing an average of $1,728 per year.

The tables shown below show trim level insurance cost averages for both 2015 models, along with the average rate for each model. The 2015 Hyundai Elantra wins the head-to-head comparison over the 2015 Kia Forte for the cheapest average car insurance rates.

2015 Hyundai Elantra

$1,528

Insurance Rates by Trim Level for a 2015 Hyundai Elantra
2015 Hyundai Elantra TrimsRate
SE Sedan$1,474
GT Hatchback1,520
Limited Sedan1,564
Sport Sedan1,564
2015 Hyundai Elantra Average Rate$1,528

2015 Kia Forte

$1,654

Insurance Rates by Trim Level for 2015 Hyundai Elantra
2015 Kia Forte TrimsRate
EX Coupe$1,598
LX Sedan1,608
SX Coupe1,642
EX Sedan1,682
EX Hatchback1,728
2015 Kia Forte Average Rate$1,654

Additional Hyundai Elantra and Kia Forte Resources