Does a Kia Forte or Sportage Cost Less to Insure?

• For 2024 models, a Kia Forte has cheaper car insurance rates than a Kia Sportage by an average of $6 per year.
• For the 2024 model year Kia Forte, auto insurance rates range from $2,190 to $2,380 per year, while the 2024 Kia Sportage costs from $2,158 to $2,408 to insure.
• The Kia Forte LX and the Kia Sportage LX are the trims with the cheapest rates for each model in our comparison.

Is insurance cheaper for a Kia Forte or Kia Sportage?

For the 2024 model year, the model with the lower car insurance rates is the Kia Forte. Insurance rates on a Kia Forte cost an average of $2,288 per year, and insurance for the Kia Sportage costs an average of $2,294 per year.

Out of five Kia Forte trim levels, the cheapest 2024 model to insure is the LX trim at an average cost of $2,190 per year. Out of the 10 trims available for the Kia Sportage, the cheapest 2024 trim to insure is the LX trim at a cost of $2,158.

When looking at the aggregated rates by trim for both models, the cheapest trim is the Kia Sportage LX at an average rate of $2,158 per year, and the highest-cost model and trim level is the Kia Sportage X-Pro Prestige at a cost of $2,408 per year.

The rate table below compares and ranks the 12-month and monthly car insurance cost for 2024 Kia Forte and Kia Sportage models, showing average cost for every trim level.

The rate chart below demonstrates the average cost to insure both 2024 models rated for drivers aged 20 to 50. For a 2024 Kia Forte, the average car insurance cost ranges from $2,040 to $4,502 per year for the age groups used in the chart. A 2024 Kia Sportage costs from $2,042 to $4,658 to insure per year.

The tables below display average car insurance rates for each trim level, along with an average cost for each model. The winner for the 2024 car insurance comparison is the Kia Forte.

2023 Kia Forte vs. Kia Sportage

For 2023, the model having the cheapest rates is the Kia Forte. Insurance rates for the Kia Forte average $2,230 per year, and insurance for a Kia Sportage averages $2,270 per year.

Out of five trim levels for the 2023 Kia Forte, the cheapest auto insurance rates are on the LX trim at a cost of $2,140 per year. The 2023 Kia Sportage has 12 trim levels available, with the cheapest trim level to insure being the LX model at an average cost of $2,104 per year.

When comparing both models at a trim-level basis, the most affordable model and trim level to insure is the Kia Sportage LX at an average rate of $2,104 per year. The highest-cost model and trim level is the Kia Sportage X-Line Prestige Plug-in Hybrid costing $2,434 per year.

For previous model years, the cheaper model to insure is noted below. Click on any linked model year to see the complete comparison data.

• 2022 Model Year – Cheapest to insure: Kia Sportage by $48 per year
• 2021 Model Year – Cheapest to insure: Kia Sportage by $200 per year
• 2020 Model Year – Cheapest to insure: Kia Sportage by $194 per year
• 2019 Model Year – Cheapest to insure: Kia Sportage by $10 per year
• 2018 Model Year – Cheapest to insure: Kia Sportage by $318 per year
• 2017 Model Year – Cheapest to insure: Kia Sportage by $322 per year
• 2016 Model Year – Cheapest to insure: Kia Sportage by $184 per year
• 2015 Model Year – Cheapest to insure: Kia Sportage by $200 per year

The table shown below compares and ranks the yearly and monthly cost of car insurance for 2023 Kia Forte and Kia Sportage models, broken down by trim level.

The next chart demonstrates the average cost to insure the two models for drivers aged 20 to 50. The average car insurance cost ranges from $1,988 to $4,450 per year for a 2023 Kia Forte, and $2,018 to $4,614 for a 2023 Kia Sportage for the driver ages used.

The tables below display the expected annual car insurance cost by trim level for both 2023 models, as well as an average rate for each model.

2022 Kia Forte vs. Kia Sportage

For the 2022 model year, the model with the lower car insurance rates is the Kia Sportage. Average car insurance rates for the Kia Forte are $2,184 per year, whereas insurance for a Kia Sportage averages $2,136 per year.

Within each model, however, auto insurance cost varies noticeably depending on the trim level of the vehicle being insured. For example, on a 2022 Kia Forte, car insurance rates range from $2,090 per year for the FE model up to $2,270 for the GT model. For the 2022 Kia Sportage, rates can range from $1,992 per year for the LX model up to $2,322 on the SX Turbo model.

The next table ranks the 12-month and monthly car insurance cost for 2022 Kia Forte and Kia Sportage models, showing average cost by trim level for each model.

The rate chart below demonstrates the average car insurance cost for both 2022 models using a range of rated driver ages. For the 2022 Kia Forte, the average car insurance cost ranges from $1,948 to $4,382 per year for the five age groups shown in the chart. Full-coverage car insurance for a 2022 Kia Sportage ranges from $1,906 to $4,348 on average per year.

Out of five trims for a 2022 Kia Forte, the most affordable insurance rates are on the FE model at a cost of $2,090 per year, or about $174 per month.

Out of the four trims available for the Kia Sportage, the lowest-cost 2022 model to insure is the LX trim at a cost of $1,992.

When comparing both models combined at a trim-level basis, the cheapest trim to buy insurance for is the Kia Sportage LX at a cost of $1,992 per year. The most expensive model and trim level is the Kia Sportage SX Turbo costing $2,322 per year.

The next two tables detail the cost to insure the available trim levels for both 2022 models, including the average rate for each model.

2021 Kia Forte vs. Kia Sportage

When comparing car insurance rates for 2021 models, a Kia Forte costs an average of $1,974 per year to insure while a Kia Sportage costs $1,774, making the Kia Sportage cheaper to insure by $200 per year for this model year.

The rate chart below demonstrates the average car insurance cost for both models with different ages of drivers. For the 2021 Kia Forte, average car insurance cost ranges from $1,758 to $3,952 per year for the driver examples in the chart. A full-coverage policy on the 2021 Kia Sportage costs from $1,578 to $3,598 on average per year.

The 2021 Kia Forte has five trim levels available, with the lowest-cost trim level to insure being the FE Sedan model at an average cost of $1,884 per year. For the eight trim and option levels available for a Kia Sportage, the most affordable 2021 trim to insure is the LX 2WD trim at a cost of $1,622.

When looking at the aggregated rates by trim for both models, the lowest-cost model and trim level to insure is the Kia Sportage LX 2WD at an average rate of $1,622 per year. The highest-cost model and trim is the Kia Forte GT Sedan at an average of $2,058 per year.

The next two tables show average car insurance rates for every trim level for both 2021 models, along with an average cost for each model. The cheapest to insure for the 2021 model year is the Kia Sportage.

2020 Kia Forte vs. Kia Sportage

A 2020 Kia Sportage costs $194 less per year to insure per year on average than a 2020 Kia Forte, a difference of 10.7%.

The chart below demonstrates the average insurance cost for the two models for drivers from age 20 to 50. The average full-coverage insurance policy ranges from $1,708 to $3,840 per year for a 2020 Kia Forte, and $1,534 to $3,490 on the 2020 Kia Sportage for the illustrated age groups.

A 2020 Kia Forte has five trim levels available, with the most affordable trim level to insure being the FE Sedan trim at an average cost of $1,834 per year.

For the eight different trims available for a Kia Sportage, the cheapest 2020 model to insure is the LX 2WD trim at a cost of $1,576.

When all 13 trims of both models are combined and compared, the lowest-cost model and trim to put coverage on is the Kia Sportage LX 2WD at an average cost of $1,576 per year. The most expensive vehicle to insure is the Kia Forte GT Sedan costing an average of $2,000 per year.

The two tables below illustrate average car insurance rates for every trim level for both 2020 models, including an overall average cost for each model.

2019 Kia Forte vs. Kia Sportage

When comparing car insurance rates for 2019 models, the Kia Forte costs an average of $1,862 per year to insure and the Kia Sportage costs $1,852, making the Kia Sportage the winner by $10.

The rate chart below displays the average cost to insure the two models using drivers aged 20 to 50. For a 2019 Kia Forte, the average car insurance cost ranges from $1,668 to $3,746 per year. A full-coverage policy on a 2019 Kia Sportage costs from $1,648 to $3,770 on average per year.

For the four trim levels available for the 2019 Kia Forte, the lowest-cost trim to insure is the FE Sedan trim at an average cost of $1,784 per year, or about $149 per month.

For the six different trim levels available for the Kia Sportage, the cheapest 2019 model to insure is the LX 2WD model at a cost of $1,692.

When comparing car insurance rates for both models by trim level, the cheapest vehicle to insure is the Kia Sportage LX 2WD at an average of $1,692 per year. The highest-cost model and trim level is the Kia Sportage SX 4WD Turbo at an average cost of $1,988 per year.

The next tables show all the available trims for both 2019 models, plus an average rate for each model.

2018 Kia Forte vs. Kia Sportage

A 2018 Kia Sportage costs $318 less per year to insure per year on average than a 2018 Kia Forte, a difference of 16.6%.

The rate chart below shows the average cost to insure the two models for the 20, 30, 40, and 50-year-old driver age groups. A full-coverage car insurance policy ranges from $1,864 to $4,174 per year for the 2018 Kia Forte, and $1,566 to $3,572 for a 2018 Kia Sportage for the included age groups.

Out of seven trims for a 2018 Kia Forte, the most affordable insurance rates are on the S Sedan trim at a cost of $1,716 per year. Out of the six different option levels available for the Kia Sportage, the most affordable 2018 trim level to insure is the LX 2WD trim at a cost of $1,626.

When comparing both models combined at a trim-level basis, the overall cheapest vehicle to buy insurance for is the Kia Sportage LX 2WD at an average cost of $1,626 per year. The most expensive model and trim level is the Kia Forte Forte5 SX Hatchback at a cost of $2,282 per year.

The next two rate tables illustrate trim level insurance rates for each 2018 model, along with an average cost for each model. The model with the cheapest average car insurance rates for 2018 is the Kia Sportage.

2017 Kia Forte vs. Kia Sportage

For the 2017 Kia Forte and Kia Sportage models, the Kia Sportage is cheaper to insure by an average of $322 per year.

The chart below shows the average insurance cost for the two models with different drivers at the wheel. The average full-coverage insurance policy ranges from $1,812 to $4,050 per year for a 2017 Kia Forte, and $1,504 to $3,426 on the 2017 Kia Sportage for the included driver ages.

Out of six Kia Forte trims, the cheapest 2017 trim level to insure is the S Sedan trim at an average cost of $1,850 per year.

Out of the six trim options available for a Kia Sportage, the most affordable 2017 model to insure is the LX 2WD trim at a cost of $1,570 per year, or around $131 per month.

When comparing car insurance rates for both models by trim level, the cheapest trim to buy insurance for is the Kia Sportage LX 2WD at a cost of $1,570 per year. The most expensive trim is the Kia Forte SX Hatchback costing $2,118 per year.

The next tables illustrate the expected annual car insurance cost by trim level for both 2017 models, including the average rate for each model. The winner for the 2017 car insurance cost comparison is the Kia Sportage.

2016 Kia Forte vs. Kia Sportage

A 2016 Kia Sportage costs $184 less per year to insure per year on average than a 2016 Kia Forte, a difference of 11.3%.

The rate chart below displays the average car insurance cost for both 2016 models with different driver age groups. For the 2016 Kia Forte, average insurance cost ranges from $1,554 to $3,464 per year for the five age groups shown in the chart. Car insurance for a 2016 Kia Sportage ranges from $1,382 to $3,076 on average per year.

Out of seven trims for a 2016 Kia Forte, the lowest-cost insurance rates are on the LX Sedan trim at a cost of $1,612 per year. For the six trims available for the Kia Sportage, the most affordable 2016 model to insure is the LX 2WD model at a cost of $1,458 per year, or $122 per month.

When comparing both models combined at a trim-level basis, the most affordable model and trim level to insure is the Kia Sportage LX 2WD at an average rate of $1,458 per year. The highest-cost model and trim level is the Kia Forte SX Hatchback at an average cost of $1,806 per year.

The next tables illustrate the average insurance cost by trim level for both 2016 models, as well as the overall average rate for each model. The 2016 Kia Sportage wins out over the 2016 Kia Forte for the cheapest overall car insurance rates.

2015 Kia Forte vs. Kia Sportage

When comparing car insurance rates for the 2015 Kia Forte and Kia Sportage models, the Kia Sportage is cheaper by $200 per year for this model year.

The following chart demonstrates the average cost to insure both models for different driver ages. For a 2015 Kia Forte, average car insurance cost ranges from $1,492 to $3,318 per year for the age groups in the chart. A full-coverage policy on the 2015 Kia Sportage ranges from $1,308 to $2,906 on average per year.

A 2015 Kia Forte has five trim levels available, with the cheapest model to insure being the EX Coupe model at an average cost of $1,598 per year, or around $133 per month.

Out of the six trim levels available for the Kia Sportage, the cheapest 2015 trim level to insure is the LX 2WD trim at a cost of $1,350 per year, or around $113 per month.

When rates are compared for the 11 trim options of both 2015 models, the most affordable model and trim level to buy insurance for is the Kia Sportage LX 2WD at a cost of $1,350 per year, and the most expensive model and trim level is the Kia Forte EX Hatchback at a cost of $1,728 per year.

The next two rate tables display the average cost to insure each trim level for a 2015 Kia Forte and Kia Sportage, including the average rate for each model.

Additional Kia Forte and Kia Sportage Resources

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• Kia Sportage Insurance Cost
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