Kia Rio vs. Forte – Which is Cheaper to Insure?

• When comparing 2022 models, a Kia Rio has more affordable car insurance rates than a Kia Forte by an average of $64 per year.
• Out of 20 models in the 2022 small car segment, the Kia Rio ranks ninth and the Kia Forte ranks 12^th for average car insurance affordability.
• If cheap car insurance is the most important factor, the LX and S trims are the cheapest Kia Rio models to insure, while the FE and LXS trims are the cheapest Kia Forte models to insure.

2022 Kia Rio vs. Forte Insurance Cost

For the 2022 Kia Rio and Kia Forte models, the Kia Rio has cheaper car insurance rates by an average of $64 per year for this comparison year.

The chart below visualizes the average cost to insure both 2022 models rated for drivers aged 20 to 50. For a 2022 Kia Rio, average insurance cost ranges from $1,960 to $4,340 per year for the example age groups. A 2022 Kia Forte costs from $1,996 to $4,490 to insure per year.

How does insurance cost for a 2022 Kia Rio compare to a Kia Forte?

• Insurance cost in the chart above ranges from $1,960 to $4,340 per year for the Kia Rio and $1,996 to $4,490 per year for the Kia Forte.
• A 20-year-old driver pays an average of $150 less to insure a Kia Rio than a Kia Forte.
• A 50-year-old driver pays an average of $36 less to insure a Kia Rio than a Kia Forte.
• The most expensive 2022 Kia Rio to insure is the S 5-door Hatchback at $2,182 per year. The most expensive 2022 Kia Forte to insure is the GT at $2,324 per year.
• For an 18-year-old driver, insurance on a Kia Rio costs an average of $6,612 per year and Kia Forte insurance costs an average of $6,879 per year.
• Individual policy coverages for the Kia Rio cost around $634 for collision insurance, $478 for comprehensive coverage, and $1,062 for liability. For the Kia Forte, individual coverages cost an average of $868 for collision insurance, $528 for comprehensive coverage, and $842 for liability.

For the three trim levels available for the 2022 Kia Rio, the cheapest trim to insure is the LX model at an average cost of $2,154 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.

When comparing rates by trim level for both models, the most affordable model and trim level to insure is the Kia Forte FE at an average of $2,142 per year. The most expensive vehicle to insure is the Kia Forte GT at an average cost of $2,324 per year.

The next tables display the expected annual car insurance cost by trim level for both 2022 models, along with an average cost for each model. The 2022 Kia Rio takes the trophy over the 2022 Kia Forte for cheapest car insurance cost.

2021 Kia Rio vs. Forte Insurance Cost

When comparing insurance cost for 2021 models, the Kia Rio costs an average of $1,974 per year to insure and the Kia Forte costs $2,020, making the Kia Rio the winner by $46 for this comparison year.

The chart below illustrates the average cost to insure both models for the 20, 30, 40, and 50-year-old driver age groups. The average cost of car insurance ranges from $1,778 to $3,980 per year for a 2021 Kia Rio, and $1,798 to $4,050 for a 2021 Kia Forte for the included age groups.

For the three trim levels available for the 2021 Kia Rio, the cheapest model to insure is the LX Sedan trim at an average cost of $1,932 per year, or $161 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 rates for all eight trim levels for both vehicles are compared, the cheapest trim to insure is the Kia Forte FE Sedan at an average cost of $1,930 per year. The most expensive model and trim level is the Kia Forte GT Sedan at an average cost of $2,108 per year.

The next tables illustrate average cost to insure each trim level for a 2021 Kia Rio and Kia Forte, as well as the overall average rate for each model. The cheapest model to insure for the 2021 model year is the Kia Rio.

2020 Kia Rio vs. Forte Insurance Cost

When comparing insurance rates for 2020 models, the Kia Rio costs an average of $1,926 per year to insure and the Kia Forte costs $1,964, making the Kia Rio the winner by $38.

The chart below visualizes the average cost to insure both models rated for different driver ages. Average car insurance cost ranges from $1,738 to $3,884 per year for a 2020 Kia Rio, and $1,748 to $3,938 for a 2020 Kia Forte for the age groups used in the chart.

For the three trim levels available for the 2020 Kia Rio, the cheapest model to insure is the LX Sedan trim at an average cost of $1,884 per year. For the five trims available for the Kia Forte, the cheapest 2020 trim to insure is the FE Sedan model at a cost of $1,876.

When average car insurance prices for all eight trims of both models are combined and sorted by cost, the overall cheapest vehicle to insure is the Kia Forte FE Sedan at an average rate of $1,876 per year. The highest-cost model and trim is the Kia Forte GT Sedan at an average cost of $2,048 per year.

The next tables illustrate average car insurance cost by trim level for each 2020 model, plus an average rate for each model. The winner for the 2020 car insurance comparison is the Kia Rio.

2019 Kia Rio vs. Forte Insurance Cost

For 2019 Kia Rio and Kia Forte models, the Kia Forte has cheaper car insurance rates by an average of $72 per year.

The next chart displays the average cost to insure both 2019 models with different drivers at the wheel. For a 2019 Kia Rio, average insurance cost ranges from $1,792 to $3,996 per year. A 2019 Kia Forte costs from $1,710 to $3,838 to insure per year.

For the three trim levels available for the 2019 Kia Rio, the cheapest trim level to insure is the LX Sedan model at an average cost of $1,940 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 $1,830.

When rates for all seven trim levels for both vehicles are compared, the lowest-cost model and trim level to insure is the Kia Forte FE Sedan at an average of $1,830 per year. The most expensive trim is the Kia Rio S Sedan at a cost of $2,000 per year.

The next two tables show the cost to insure the available trim levels for both 2019 models, as well as the overall average rate for each model. The 2019 Kia Forte has more affordable average car insurance rates than the 2019 Kia Rio.

2018 Kia Rio vs. Forte Insurance Cost

When comparing insurance cost for the 2018 Kia Rio and Kia Forte models, the Kia Rio is cheaper by an average of $62 per year.

The rate chart below visualizes the average cost to insure the two models rated for a variety of different driver ages. For a 2018 Kia Rio, the average cost of car insurance ranges from $1,870 to $4,162 per year for the driver ages used. A 2018 Kia Forte costs from $1,910 to $4,278 to insure per year.

The 2018 Kia Rio has six trims available, with the cheapest trim level to insure being the LX Sedan model at an average cost of $1,946 per year.

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

When looking at the aggregated rates by trim for both models, the most affordable model and trim level to insure is the Kia Forte S Sedan at an average of $1,760 per year, and the highest-cost model and trim is the Kia Forte Forte5 SX Hatchback costing $2,336 per year.

The next two tables illustrate the expected annual car insurance cost by trim level for both 2018 models, including an overall average cost for each model. The winner for the 2018 car insurance cost comparison is the Kia Rio.

2017 Kia Rio vs. Forte Insurance Cost

When comparing insurance rates for 2017 models, the Kia Rio costs an average of $1,986 per year to insure and the Kia Forte costs $2,060, making the Kia Rio the winner by $74.

The chart shown below illustrates the average cost to insure both 2017 models with different drivers at the wheel. For a 2017 Kia Rio, the average cost of car insurance ranges from $1,800 to $4,006 per year for the age groups used in the chart. A 2017 Kia Forte costs from $1,856 to $4,150 to insure per year.

For the two trims available for the 2017 Kia Rio, the cheapest trim level to insure is the LX Sedan trim at an average cost of $1,952 per year.

For the six trims available for the Kia Forte, the cheapest 2017 model to insure is the S Sedan model at a cost of $1,896.

When average car insurance prices for all eight trim levels for both vehicles are compared, the most affordable model and trim level to insure is the Kia Forte S Sedan at an average rate of $1,896 per year, and the highest-cost model and trim level is the Kia Forte SX Hatchback at an average of $2,168 per year.

The tables below display trim level insurance cost averages for both 2017 models, as well as the overall average rate for each model. The 2017 Kia Rio is the winner over the 2017 Kia Forte for cheapest auto insurance rates.

2016 Kia Rio vs. Forte Insurance Cost

When comparing average insurance cost for 2016 models, the Kia Rio costs an average of $1,650 per year to insure and the Kia Forte costs $1,766, making the Kia Rio the winner by $116.

The next chart shows the average cost to insure both 2016 models rated for different driver ages. For a 2016 Kia Rio, average insurance cost ranges from $1,492 to $3,310 per year for these driver ages. A 2016 Kia Forte costs from $1,592 to $3,550 to insure per year.

The 2016 Kia Rio has six trims available, with the cheapest model to insure being the 5 LX Hatchback trim at an average cost of $1,376 per year.

For the seven trim levels available for the Kia Forte, the cheapest 2016 trim to insure is the LX Sedan trim at a cost of $1,652.

When comparing car insurance rates for both models by trim level, the cheapest vehicle to insure is the Kia Rio 5 LX Hatchback at an average cost of $1,376 per year. The overall most expensive vehicle to insure is the Kia Rio SX Sedan at an average cost of $1,936 per year.

The tables shown below display average car insurance rates for each trim level, along with an average cost for each model.

2015 Kia Rio vs. Forte Insurance Cost

For the 2015 Kia Rio and Kia Forte models, the Kia Rio is cheaper to insure by an average of $168 per year for this model year.

The chart below displays the average cost to insure both models rated for drivers aged 20 to 50. Average car insurance cost ranges from $1,378 to $3,054 per year for a 2015 Kia Rio, and $1,528 to $3,400 for a 2015 Kia Forte for the driver ages used.

The 2015 Kia Rio has three trim levels available, with the cheapest trim level to insure being the LX Sedan trim at an average cost of $1,438 per year, or around $120 per month.

For the five trim levels available for the Kia Forte, the cheapest 2015 trim to insure is the EX Coupe model at a cost of $1,636.

When car insurance rates for all eight trims of both models are combined and sorted by cost, the cheapest vehicle to insure is the Kia Rio LX Sedan at an average rate of $1,438 per year, and the overall most expensive vehicle to insure is the Kia Forte EX Hatchback at an average cost of $1,774 per year.

The next two tables illustrate trim level insurance cost averages for both 2015 models, including an overall average cost for each model. The cheapest to insure for the 2015 model year is the Kia Rio.

Additional Kia Rio and Kia Forte Resources

• Kia Rio Insurance Rates
• Kia Forte Insurance Rates
• Small Car Insurance Rate Comparisons