- At an average cost of $1,720 per year, a 2022 Kia Forte has cheaper car insurance rates than a 2022 Hyundai Elantra by an average of $160 per year.
- Average car insurance cost per month for the Hyundai Elantra is 10% more expensive than the Kia Forte, at $143 versus $130, a difference of $13.
- Out of 20 models in the 2022 small car segment, the Hyundai Elantra ranks #18 and the Kia Forte ranks #13 for car insurance affordability.

## Is insurance cheaper for a Hyundai Elantra or Kia Forte?

Insurance rates for a 2022 Hyundai Elantra average $1,720 per year, while insurance for a Kia Forte costs an average of $1,560 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 $1,512 per year for the SEL model up to the most expensive rate of $1,868 for the N model. For a 2022 Kia Forte, rates range from $1,494 per year for the FE model up to $1,620 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 $1,494 per year. The most expensive model and trim level is the Hyundai Elantra N at an average cost of $1,868 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 $125 to $156 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 | $1,494 | $125 |

Elantra SEL | $1,512 | $126 |

Forte LXS | $1,528 | $127 |

Elantra Hybrid Blue | $1,560 | $130 |

Forte GT-Line | $1,574 | $131 |

Forte GT Manual | $1,588 | $132 |

Forte GT | $1,620 | $135 |

Elantra SE | $1,662 | $139 |

Elantra N Line | $1,788 | $149 |

Elantra Limited | $1,798 | $150 |

Elantra Hybrid Limited | $1,850 | $154 |

Elantra N | $1,868 | $156 |

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 $1,568 to $3,406 per year for the included driver ages. A 2022 Kia Forte costs from $1,422 to $3,084 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 $1,512 per year. The cheapest 2022 Kia Forte to insure is the FE costing $1,494 per year.
- Average car insurance cost per month for the Hyundai Elantra is 10% more expensive than the Kia Forte, at $143 versus $130, a difference of $13.
- When compared to the national average car insurance rate of $1,567 per year, the Hyundai Elantra costs $153 more per year, while the Kia Forte costs $7 less per year.
- For a 19-year-old driver, insurance on a Hyundai Elantra costs an average of $4,898 per year and Kia Forte insurance costs an average of $4,416 per year, a difference of $482 per year.
- A high deductible policy could save as much as $234 per year for the Hyundai Elantra and $220 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 $1,868 per year. The most expensive 2022 Kia Forte to insure is the GT at $1,620 per year.
- For a 17-year-old driver, insurance on a Hyundai Elantra costs an average of $5,874 per year and Kia Forte insurance costs an average of $5,272 per year, a difference of $602 per year.
- A low deductible policy could cost up to $446 more per year for the Hyundai Elantra and $426 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 $1,512 per year, or around $126 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 $1,494 per year, or $125 per month.

When insurance rates for all 12 trims of both models are combined sorted by cost, the cheapest vehicle to insure to insure is the Kia Forte FE at a cost of $1,494 per year, and the most expensive vehicle to insure is the Hyundai Elantra N costing an average of $1,868 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

$1,720

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

SEL | $1,512 |

Hybrid Blue | 1,560 |

SE | 1,662 |

N Line | 1,788 |

Limited | 1,798 |

Hybrid Limited | 1,850 |

N | 1,868 |

2022 Hyundai Elantra Average Rate | $1,720 |

### 2022 Kia Forte

$1,560

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

FE | $1,494 |

LXS | 1,528 |

GT-Line | 1,574 |

GT Manual | 1,588 |

GT | 1,620 |

2022 Kia Forte Average Rate | $1,560 |

## 2021 Hyundai Elantra vs. Kia Forte

When comparing insurance rates for 2021 models, a Hyundai Elantra costs an average of $1,636 per year to insure and a Kia Forte costs $1,400, making the Kia Forte cheaper to insure by $236 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 $1,496 to $3,254 per year for these driver ages. A 2021 Kia Forte costs from $1,278 to $2,772 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 $1,312 per year, or around $109 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 $1,338 per year, or $112 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 $1,312 per year, and the most expensive vehicle to insure is the Hyundai Elantra Sport Sedan costing $1,816 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

$1,636

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

SEL Sedan | $1,312 |

EcoSedan | 1,358 |

SE Sedan | 1,740 |

Value Edition Sedan | 1,786 |

Limited Sedan | 1,816 |

Sport Sedan | 1,816 |

2021 Hyundai Elantra Average Rate | $1,636 |

### 2021 Kia Forte

$1,400

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

FE Sedan | $1,338 |

LXS Sedan | 1,370 |

EX Sedan | 1,416 |

GT-Line Sedan | 1,416 |

GT Sedan | 1,462 |

2021 Kia Forte Average Rate | $1,400 |

## 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 $230 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 $1,466 to $3,192 per year for a 2020 Hyundai Elantra, and $1,256 to $2,726 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 $1,290 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 $1,316.

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 $1,290 per year, and the most expensive model and trim level is the Hyundai Elantra GT N Line Sedan at an average of $1,832 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

$1,606

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

SEL Sedan | $1,290 |

EcoSedan | 1,334 |

GT Hatchback | 1,334 |

SE Sedan | 1,714 |

Value Edition Sedan | 1,756 |

Limited Sedan | 1,788 |

Sport Sedan | 1,788 |

GT N Line Sedan | 1,832 |

2020 Hyundai Elantra Average Rate | $1,606 |

### 2020 Kia Forte

$1,376

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

FE Sedan | $1,316 |

LXS Sedan | 1,348 |

EX Sedan | 1,390 |

GT-Line Sedan | 1,390 |

GT Sedan | 1,434 |

2020 Kia Forte Average Rate | $1,376 |

## 2019 Hyundai Elantra vs. Kia Forte

When comparing insurance cost for 2019 models, a Hyundai Elantra costs an average of $1,534 per year to insure and a Kia Forte costs $1,362, making the Kia Forte cheaper to insure by $172 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 $1,402 to $3,056 per year for a 2019 Hyundai Elantra, and $1,242 to $2,700 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 $1,354 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 $1,294.

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 $1,294 per year, and the highest-cost model and trim is the Hyundai Elantra GT N Line Sedan at an average cost of $1,694 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

$1,534

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

SEL Sedan | $1,354 |

EcoSedan | 1,396 |

GT Hatchback | 1,396 |

SE Sedan | 1,534 |

Value Edition Sedan | 1,610 |

Limited Sedan | 1,652 |

Sport Sedan | 1,652 |

GT N Line Sedan | 1,694 |

2019 Hyundai Elantra Average Rate | $1,534 |

### 2019 Kia Forte

$1,362

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

FE Sedan | $1,294 |

LX Sedan | 1,366 |

S Sedan | 1,378 |

EX Sedan | 1,408 |

2019 Kia Forte Average Rate | $1,362 |

## 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 $1,408 to $3,062 per year for a 2018 Hyundai Elantra, and $1,414 to $3,068 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 $1,184 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 $1,280 per year, or around $107 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 $1,184 per year. The most expensive model and trim level is the Kia Forte Forte5 SX Hatchback costing an average of $1,700 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 cheapest overall car insurance cost for 2018 is the Hyundai Elantra.

### 2018 Hyundai Elantra

$1,538

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

GT Sport Hatchback | $1,184 |

SE Sedan | 1,506 |

GT Hatchback | 1,576 |

SEL Sedan | 1,576 |

Value Edition Sedan | 1,576 |

EcoSedan Turbo | 1,618 |

Sport Sedan | 1,618 |

Limited Sedan | 1,658 |

2018 Hyundai Elantra Average Rate | $1,538 |

### 2018 Kia Forte

$1,546

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

S Sedan | $1,280 |

LX Sedan | 1,478 |

Forte5 LX Hatchback | 1,548 |

EX Sedan | 1,588 |

SX Sedan | 1,588 |

Forte5 EX Hatchback | 1,630 |

Forte5 SX Hatchback | 1,700 |

2018 Kia Forte Average Rate | $1,546 |

## 2017 Hyundai Elantra vs. Kia Forte

When comparing car insurance rates for 2017 models, a Hyundai Elantra costs an average of $1,564 per year to insure and a Kia Forte costs $1,516, making the Kia Forte cheaper to insure by $48 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 $1,430 to $3,118 per year for a 2017 Hyundai Elantra, and $1,388 to $3,014 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 $1,478 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 $1,396 per year, or about $116 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 $1,396 per year, and the highest-cost model and trim level is the Hyundai Elantra Limited Sedan at an average of $1,624 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

$1,564

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

SE Sedan | $1,478 |

GT Hatchback | 1,546 |

EcoSedan | 1,586 |

Sport Sedan | 1,586 |

Limited Sedan | 1,624 |

2017 Hyundai Elantra Average Rate | $1,564 |

### 2017 Kia Forte

$1,516

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

S Sedan | $1,396 |

LX Sedan | 1,474 |

LX Hatchback | 1,518 |

EX Hatchback | 1,558 |

EX Sedan | 1,558 |

SX Hatchback | 1,596 |

2017 Kia Forte Average Rate | $1,516 |

## 2016 Hyundai Elantra vs. Kia Forte

When comparing average insurance cost for 2016 models, the Hyundai Elantra costs an average of $1,350 per year to insure and the Kia Forte costs $1,324, making the Kia Forte the winner by $26 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 $1,238 to $2,686 per year for a 2016 Hyundai Elantra, and $1,212 to $2,630 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 $1,286 per year, or about $107 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 $1,236 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 $1,236 per year. The most expensive vehicle to insure is the Kia Forte SX Hatchback costing $1,386 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

$1,350

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

SE Sedan | $1,286 |

GT Hatchback | 1,348 |

Value Edition Sedan | 1,348 |

Limited Sedan | 1,386 |

Sport Sedan | 1,386 |

2016 Hyundai Elantra Average Rate | $1,350 |

### 2016 Kia Forte

$1,324

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

LX Sedan | $1,236 |

EX Coupe | 1,262 |

SX Coupe | 1,300 |

EX Sedan | 1,348 |

LX Hatchback | 1,348 |

EX Hatchback | 1,386 |

SX Hatchback | 1,386 |

2016 Kia Forte Average Rate | $1,324 |

## 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 $92 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 $1,096 to $2,364 per year for these driver ages. A 2015 Kia Forte costs from $1,184 to $2,564 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 $1,156 per year, or $96 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 $1,248.

When trim-level rates for both models are compared, the overall cheapest vehicle to insure to insure is the Hyundai Elantra SE Sedan at an average of $1,156 per year, and the most expensive model and trim level is the Kia Forte EX Hatchback costing an average of $1,354 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

$1,198

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

SE Sedan | $1,156 |

GT Hatchback | 1,190 |

Limited Sedan | 1,224 |

Sport Sedan | 1,224 |

2015 Hyundai Elantra Average Rate | $1,198 |

### 2015 Kia Forte

$1,290

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

EX Coupe | $1,248 |

LX Sedan | 1,260 |

SX Coupe | 1,286 |

EX Sedan | 1,318 |

EX Hatchback | 1,354 |

2015 Kia Forte Average Rate | $1,290 |