- At an average cost of $1,978 per year, a 2023 Kia Forte has cheaper car insurance rates than a 2023 Hyundai Elantra by an average of $200 per year.
- Average car insurance cost per month for the Hyundai Elantra is 10.9% more expensive than the Kia Forte, at $165 versus $148, a difference of $17.
- Out of 15 models in the 2023 small car segment, the Hyundai Elantra ranks 13
^{th}and the Kia Forte ranks ninth for car insurance affordability.

## Is insurance cheaper for a Hyundai Elantra or 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 $1,978 per year, whereas insurance for a Kia Forte averages $1,778 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 $1,762 per year, or about $147 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 $1,706 per year, or about $142 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 $1,706 per year, and the highest-cost model and trim level is the Hyundai Elantra N at an average of $2,156 per year.

From a monthly standpoint, car insurance rates for all 2023 Hyundai Elantra and Kia Forte models and trims range from $142 to $180 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.

Model and Trim Level | Annual Cost | Monthly Cost |
---|---|---|

Forte LX | $1,706 | $142 |

Forte LXS | $1,724 | $144 |

Elantra SEL | $1,762 | $147 |

Forte GT-Line | $1,772 | $148 |

Elantra Hybrid Blue | $1,830 | $153 |

Forte GT | $1,836 | $153 |

Forte GT Manual | $1,850 | $154 |

Elantra SE | $1,898 | $158 |

Elantra Limited | $2,052 | $171 |

Elantra N Line | $2,064 | $172 |

Elantra Hybrid Limited | $2,098 | $175 |

Elantra N | $2,156 | $180 |

The next chart shows the average cost to insure the two models for different driver ages. Average car insurance cost ranges from $1,802 to $3,902 per year for a 2023 Hyundai Elantra, and $1,618 to $3,504 for a 2023 Kia Forte for the illustrated age groups.

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

$1,978

2023 Hyundai Elantra Trims | Rate |
---|---|

SEL | $1,762 |

Hybrid Blue | 1,830 |

SE | 1,898 |

Limited | 2,052 |

N Line | 2,064 |

Hybrid Limited | 2,098 |

N | 2,156 |

2023 Hyundai Elantra Average Rate | $1,978 |

### 2023 Kia Forte

$1,778

2023 Kia Forte Trims | Rate |
---|---|

LX | $1,706 |

LXS | 1,724 |

GT-Line | 1,772 |

GT | 1,836 |

GT Manual | 1,850 |

2023 Kia Forte Average Rate | $1,778 |

## 2022 Hyundai Elantra vs. Kia Forte

Insurance rates for a 2022 Hyundai Elantra average $1,922 per year, while insurance for a Kia Forte costs an average of $1,746 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 $1,692 per year for the SEL model up to the most expensive rate of $2,090 for the N model. For a 2022 Kia Forte, rates range from $1,670 per year for the FE model up to $1,810 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 $1,670 per year. The most expensive model and trim level is the Hyundai Elantra N at an average cost of $2,090 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 $139 to $174 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.

Model and Trim Level | Annual Cost | Monthly Cost |
---|---|---|

Forte FE | $1,670 | $139 |

Elantra SEL | $1,692 | $141 |

Forte LXS | $1,706 | $142 |

Elantra Hybrid Blue | $1,742 | $145 |

Forte GT-Line | $1,758 | $147 |

Forte GT Manual | $1,774 | $148 |

Forte GT | $1,810 | $151 |

Elantra SE | $1,860 | $155 |

Elantra N Line | $2,000 | $167 |

Elantra Limited | $2,010 | $168 |

Elantra Hybrid Limited | $2,068 | $172 |

Elantra N | $2,090 | $174 |

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 $1,756 to $3,812 per year for the included driver ages. A 2022 Kia Forte costs from $1,588 to $3,450 to insure per year.

**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 $1,692 per year. The cheapest 2022 Kia Forte to insure is the FE costing $1,670 per year.
- Average car insurance cost per month for the Hyundai Elantra is 9.2% more expensive than the Kia Forte, at $160 versus $146, a difference of $14.
- When compared to the national average car insurance rate of $1,728 per year, the Hyundai Elantra costs $194 more per year, while the Kia Forte costs $18 less per year.
- For a 19-year-old driver, insurance on a Hyundai Elantra costs an average of $5,494 per year and Kia Forte insurance costs an average of $4,948 per year, a difference of $546 per year.
- A high deductible policy could save as much as $256 per year for the Hyundai Elantra and $244 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 $2,090 per year. The most expensive 2022 Kia Forte to insure is the GT at $1,810 per year.
- For a 17-year-old driver, insurance on a Hyundai Elantra costs an average of $6,602 per year and Kia Forte insurance costs an average of $5,916 per year, a difference of $686 per year.
- A low deductible policy could cost up to $494 more per year for the Hyundai Elantra and $468 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 $1,692 per year, or around $141 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 $1,670 per year, or $139 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 $1,670 per year, and the most expensive vehicle to insure is the Hyundai Elantra N costing an average of $2,090 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

$1,922

2022 Hyundai Elantra Trims | Rate |
---|---|

SEL | $1,692 |

Hybrid Blue | 1,742 |

SE | 1,860 |

N Line | 2,000 |

Limited | 2,010 |

Hybrid Limited | 2,068 |

N | 2,090 |

2022 Hyundai Elantra Average Rate | $1,922 |

### 2022 Kia Forte

$1,746

2022 Kia Forte Trims | Rate |
---|---|

FE | $1,670 |

LXS | 1,706 |

GT-Line | 1,758 |

GT Manual | 1,774 |

GT | 1,810 |

2022 Kia Forte Average Rate | $1,746 |

## 2021 Hyundai Elantra vs. Kia Forte

When comparing insurance rates for 2021 models, a Hyundai Elantra costs an average of $1,842 per year to insure and a Kia Forte costs $1,574, making the Kia Forte cheaper to insure by $268 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 $1,682 to $3,660 per year for these driver ages. A 2021 Kia Forte costs from $1,432 to $3,112 to insure per year.

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 $1,476 per year, or around $123 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 $1,506 per year, or $126 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 $1,476 per year, and the most expensive vehicle to insure is the Hyundai Elantra Sport Sedan costing $2,042 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

$1,842

2021 Hyundai Elantra Trims | Rate |
---|---|

SEL Sedan | $1,476 |

EcoSedan | 1,524 |

SE Sedan | 1,958 |

Value Edition Sedan | 2,006 |

Limited Sedan | 2,042 |

Sport Sedan | 2,042 |

2021 Hyundai Elantra Average Rate | $1,842 |

### 2021 Kia Forte

$1,574

2021 Kia Forte Trims | Rate |
---|---|

FE Sedan | $1,506 |

LXS Sedan | 1,540 |

EX Sedan | 1,590 |

GT-Line Sedan | 1,590 |

GT Sedan | 1,640 |

2021 Kia Forte Average Rate | $1,574 |

## 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 $258 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 $1,656 to $3,608 per year for a 2020 Hyundai Elantra, and $1,416 to $3,076 for a 2020 Kia Forte for the illustrated age groups.

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 $1,456 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 $1,486.

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 $1,456 per year, and the most expensive model and trim level is the Hyundai Elantra GT N Line Sedan at an average of $2,072 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

$1,812

2020 Hyundai Elantra Trims | Rate |
---|---|

SEL Sedan | $1,456 |

EcoSedan | 1,506 |

GT Hatchback | 1,506 |

SE Sedan | 1,938 |

Value Edition Sedan | 1,986 |

Limited Sedan | 2,020 |

Sport Sedan | 2,020 |

GT N Line Sedan | 2,072 |

2020 Hyundai Elantra Average Rate | $1,812 |

### 2020 Kia Forte

$1,554

2020 Kia Forte Trims | Rate |
---|---|

FE Sedan | $1,486 |

LXS Sedan | 1,520 |

EX Sedan | 1,570 |

GT-Line Sedan | 1,570 |

GT Sedan | 1,618 |

2020 Kia Forte Average Rate | $1,554 |

## 2019 Hyundai Elantra vs. Kia Forte

When comparing insurance cost for 2019 models, a Hyundai Elantra costs an average of $1,716 per year to insure and a Kia Forte costs $1,522, making the Kia Forte cheaper to insure by $194 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 $1,572 to $3,418 per year for a 2019 Hyundai Elantra, and $1,388 to $3,014 for a 2019 Kia Forte.

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 $1,516 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 $1,448.

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 $1,448 per year, and the highest-cost model and trim is the Hyundai Elantra GT N Line Sedan at an average cost of $1,896 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

$1,716

2019 Hyundai Elantra Trims | Rate |
---|---|

SEL Sedan | $1,516 |

EcoSedan | 1,562 |

GT Hatchback | 1,562 |

SE Sedan | 1,722 |

Value Edition Sedan | 1,802 |

Limited Sedan | 1,848 |

Sport Sedan | 1,848 |

GT N Line Sedan | 1,896 |

2019 Hyundai Elantra Average Rate | $1,716 |

### 2019 Kia Forte

$1,522

2019 Kia Forte Trims | Rate |
---|---|

FE Sedan | $1,448 |

LX Sedan | 1,530 |

S Sedan | 1,544 |

EX Sedan | 1,570 |

2019 Kia Forte Average Rate | $1,522 |

## 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 $4 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 $1,574 to $3,428 per year for a 2018 Hyundai Elantra, and $1,580 to $3,434 for a 2018 Kia Forte.

Out of eight Hyundai Elantra trims, the cheapest 2018 model to insure is the GT Sport Hatchback model at an average cost of $1,316 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 $1,432 per year, or around $119 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 $1,316 per year. The most expensive model and trim level is the Kia Forte Forte5 SX Hatchback costing an average of $1,900 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

$1,722

2018 Hyundai Elantra Trims | Rate |
---|---|

GT Sport Hatchback | $1,316 |

SE Sedan | 1,688 |

GT Hatchback | 1,764 |

SEL Sedan | 1,764 |

Value Edition Sedan | 1,764 |

EcoSedan Turbo | 1,810 |

Sport Sedan | 1,810 |

Limited Sedan | 1,854 |

2018 Hyundai Elantra Average Rate | $1,722 |

### 2018 Kia Forte

$1,726

2018 Kia Forte Trims | Rate |
---|---|

S Sedan | $1,432 |

LX Sedan | 1,656 |

Forte5 LX Hatchback | 1,732 |

EX Sedan | 1,778 |

SX Sedan | 1,778 |

Forte5 EX Hatchback | 1,822 |

Forte5 SX Hatchback | 1,900 |

2018 Kia Forte Average Rate | $1,726 |

## 2017 Hyundai Elantra vs. Kia Forte

When comparing car insurance rates for 2017 models, a Hyundai Elantra costs an average of $1,734 per year to insure and a Kia Forte costs $1,680, making the Kia Forte cheaper to insure by $54 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 $1,582 to $3,450 per year for a 2017 Hyundai Elantra, and $1,538 to $3,340 for a 2017 Kia Forte.

Out of five trims for the 2017 Hyundai Elantra, the cheapest car insurance rates are on the SE Sedan trim at a cost of $1,640 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 $1,546 per year, or about $129 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 $1,546 per year, and the highest-cost model and trim level is the Hyundai Elantra Limited Sedan at an average of $1,798 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

$1,734

2017 Hyundai Elantra Trims | Rate |
---|---|

SE Sedan | $1,640 |

GT Hatchback | 1,714 |

EcoSedan | 1,756 |

Sport Sedan | 1,756 |

Limited Sedan | 1,798 |

2017 Hyundai Elantra Average Rate | $1,734 |

### 2017 Kia Forte

$1,680

2017 Kia Forte Trims | Rate |
---|---|

S Sedan | $1,546 |

LX Sedan | 1,636 |

LX Hatchback | 1,684 |

EX Hatchback | 1,726 |

EX Sedan | 1,726 |

SX Hatchback | 1,768 |

2017 Kia Forte Average Rate | $1,680 |

## 2016 Hyundai Elantra vs. Kia Forte

When comparing average insurance cost for 2016 models, the Hyundai Elantra costs an average of $1,508 per year to insure and the Kia Forte costs $1,474, making the Kia Forte the winner by $34 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 $1,378 to $2,990 per year for a 2016 Hyundai Elantra, and $1,346 to $2,926 for a 2016 Kia Forte for these driver ages.

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 $1,436 per year, or about $120 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 $1,384 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 $1,384 per year. The most expensive vehicle to insure is the Kia Forte SX Hatchback costing $1,544 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

$1,508

2016 Hyundai Elantra Trims | Rate |
---|---|

SE Sedan | $1,436 |

GT Hatchback | 1,504 |

Value Edition Sedan | 1,504 |

Limited Sedan | 1,544 |

Sport Sedan | 1,544 |

2016 Hyundai Elantra Average Rate | $1,508 |

### 2016 Kia Forte

$1,474

2016 Kia Forte Trims | Rate |
---|---|

LX Sedan | $1,384 |

EX Coupe | 1,398 |

SX Coupe | 1,440 |

EX Sedan | 1,504 |

LX Hatchback | 1,504 |

EX Hatchback | 1,544 |

SX Hatchback | 1,544 |

2016 Kia Forte Average Rate | $1,474 |

## 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 $102 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 $1,206 to $2,594 per year for these driver ages. A 2015 Kia Forte costs from $1,300 to $2,810 to insure per year.

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 $1,272 per year, or $106 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 $1,370.

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 $1,272 per year, and the most expensive model and trim level is the Kia Forte EX Hatchback costing an average of $1,484 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

$1,318

2015 Hyundai Elantra Trims | Rate |
---|---|

SE Sedan | $1,272 |

GT Hatchback | 1,308 |

Limited Sedan | 1,344 |

Sport Sedan | 1,344 |

2015 Hyundai Elantra Average Rate | $1,318 |

### 2015 Kia Forte

$1,420

2015 Kia Forte Trims | Rate |
---|---|

EX Coupe | $1,370 |

LX Sedan | 1,388 |

SX Coupe | 1,406 |

EX Sedan | 1,448 |

EX Hatchback | 1,484 |

2015 Kia Forte Average Rate | $1,420 |