Nissan Sentra or Kia Forte – Which is Cheapest to Insure?

The Nissan Sentra and Kia Forte are two of the most affordable small cars, but which model has the cheapest car insurance rates?

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  • When comparing 2024 models, the Nissan Sentra beats the Kia Forte in our head-to-head insurance cost comparison, costing an average of $142 less per year to insure.
  • With 15 models in the 2024 small car category, the Nissan Sentra ranks fourth and the Kia Forte ranks eighth for most affordable car insurance.
  • For a 2024 Nissan Sentra, rates cost from $2,098 to $2,206 per year, while auto insurance for a 2024 Kia Forte costs from $2,190 to $2,380, depending on the exact model being insured.
  • When compared to the average cost of car insurance in the U.S. of $2,221 per year, the Nissan Sentra costs $75 less per year, while the Kia Forte costs $67 more per year.

Is insurance cheaper for a Nissan Sentra or Kia Forte?

When comparing the Nissan Sentra and Kia Forte for the 2024 model year, the model having more affordable car insurance is the Nissan Sentra. Average car insurance rates for the Nissan Sentra are $2,146 per year, while insurance for the Kia Forte averages $2,288 per year.

Out of three Nissan Sentra trims, the cheapest 2024 trim level to insure is the S trim at an average cost of $2,098 per year, or around $175 per month. The 2024 Kia Forte has five trims available, with the cheapest model to insure being the LX trim at an average cost of $2,190 per year.

When rates for all eight trim levels for both vehicles are compared, the lowest-cost model and trim is the Nissan Sentra S at a cost of $2,098 per year. The overall most expensive vehicle to insure is the Kia Forte GT Manual at an average of $2,380 per year.

The next table compares and ranks the annual and monthly car insurance cost for 2024 Nissan Sentra and Kia Forte models, showing average cost for each trim level.

2024 Model Year Nissan Sentra vs. Kia Forte Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,098$175
$2,136$178
$2,190$183
$2,206$184
$2,214$185
$2,290$191
$2,360$197
$2,380$198

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 Nissan Sentra and a 2024 Kia Forte
Annual and monthly insurance cost by trim level for a 2024 Nissan Sentra and a 2024 Kia Forte

The rate chart below displays the average cost to insure both 2024 models with different driver age groups. Average car insurance cost ranges from $1,918 to $4,240 per year for a 2024 Nissan Sentra, and $2,040 to $4,502 for a 2024 Kia Forte for the age groups used in this illustration.

Average car insurance premiums for 2024 Nissan Sentra and Kia Forte models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Nissan Sentra and Kia Forte models for different driver ages. Rates updated on June 27, 2025.

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Data Methodology: Rates based on a 2024 model year Nissan Sentra 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 Nissan Sentra vs. Kia Forte Insurance Cost
Driver Age Nissan Sentra Kia Forte
18-Year-Old$6,453$6,851
20-Year-Old$4,240$4,502
25-Year-Old$2,480$2,642
30-Year-Old$2,278$2,432
40-Year-Old$2,146$2,288
50-Year-Old$1,918$2,040
60-Year-Old$1,790$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 27, 2025

The tables shown below illustrate average car insurance cost by trim level for each 2024 model, plus an average rate for each model. The 2024 Nissan Sentra can declare victory over the 2024 Kia Forte for cheapest car insurance rates.

2024 Nissan Sentra

$2,146

Insurance Rates by Trim Level for a 2024 Nissan Sentra
2024 Nissan Sentra TrimsRate
S$2,098
SV2,136
SR2,206
2024 Nissan Sentra Average Rate$2,146

2024 Kia Forte

$2,288

Insurance Rates by Trim Level for 2024 Nissan Sentra
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 Nissan Sentra vs. Kia Forte

Average car insurance rates for a 2024 Nissan Sentra are $2,146 per year, whereas the 2024 Kia Forte costs an average of $2,288 per year, making the Nissan Sentra the model with more affordable average car insurance rates.

Out of three Nissan Sentra trims, the cheapest 2024 trim to insure is the S trim at an average cost of $2,098 per year.

For the five trim levels available for the Kia Forte, the cheapest 2024 model to insure is the LX trim at a cost of $2,190.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest trim to insure is the Nissan Sentra S at an average of $2,098 per year. The overall most expensive vehicle to insure is the Kia Forte GT Manual costing $2,380 per year.

The next table compares and ranks the annual and monthly cost of car insurance for 2024 Nissan Sentra and Kia Forte models, broken down by individual trim level.

2023 Model Year Nissan Sentra vs. Kia Forte Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,098$175
$2,138$178
$2,196$183
$2,200$183
$2,220$185
$2,222$185
$2,284$190
$2,366$197
$2,388$199

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 Nissan Sentra and a 2023 Kia Forte
Annual and monthly insurance cost by trim level for a 2023 Nissan Sentra and a 2023 Kia Forte

The rate chart below displays the average cost to insure the two models for four different driver age groups. For a 2024 Nissan Sentra, insurance cost ranges from $1,918 to $4,240 per year for the age groups used in the chart. A 2024 Kia Forte costs from $2,040 to $4,502 to insure per year.

Average car insurance premiums for 2023 Nissan Sentra and Kia Forte models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Nissan Sentra and Kia Forte models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2023 model year Nissan Sentra 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 Nissan Sentra vs. Kia Forte Insurance Cost
Driver Age Nissan Sentra Kia Forte
18-Year-Old$6,352$6,805
20-Year-Old$4,172$4,450
25-Year-Old$2,434$2,580
30-Year-Old$2,236$2,368
40-Year-Old$2,108$2,230
50-Year-Old$1,886$1,988
60-Year-Old$1,758$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 26, 2025

The next tables illustrate average car insurance rates for each trim level, plus the average rate for each model.

2023 Nissan Sentra

$2,108

Insurance Rates by Trim Level for a 2023 Nissan Sentra
2023 Nissan Sentra TrimsRate
S$2,046
SV2,084
SR2,140
SR Midnight Edition2,164
2023 Nissan Sentra Average Rate$2,108

2023 Kia Forte

$2,230

Insurance Rates by Trim Level for 2023 Nissan Sentra
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 Nissan Sentra vs. Kia Forte

Insurance cost for a 2022 Nissan Sentra averages $2,082 per year, whereas the 2022 Kia Forte costs an average of $2,184 per year, making the Nissan Sentra the model with lower average car insurance rates.

However, the vehicle trim level has a considerable impact on the final cost of insurance. So to get an accurate comparison, you need to factor the vehicle options into the mix.

To illustrate this, on a 2022 Nissan Sentra, rates range from the lowest full-coverage rate of $1,998 per year for the S model up to the most expensive rate of $2,178 for the SR Premium model. For a 2022 Kia Forte, rates range from $2,090 per year for the FE model up to $2,270 on the GT model.

Based on these numbers, if you’re comparing a base model Forte with an higher-end Sentra, then the Forte is probably going to have the cheaper overall insurance rates.

The table below shows the average annual and monthly cost of car insurance for both the 2022 Sentra and Forte, for each trim level available for each model.

2022 Model Year Nissan Sentra vs. Kia Forte Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,998$167
$2,064$172
$2,080$173
$2,084$174
$2,090$174
$2,138$178
$2,178$182
$2,204$184
$2,222$185
$2,270$189

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 2022 Nissan Sentra and a 2022 Kia Forte
Annual and monthly insurance cost by trim level for a 2022 Nissan Sentra and a 2022 Kia Forte

The chart shown below shows the average car insurance cost for the two models for different driver ages. For a 2022 Nissan Sentra, average car insurance cost ranges from $1,862 to $4,136 per year for the age groups used in this illustration. Auto insurance for a 2022 Kia Forte costs from $1,948 to $4,382 on average per year.

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

Data Methodology: Rates based on a 2022 model year Nissan Sentra 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 Nissan Sentra vs. Kia Forte Insurance Cost
Driver Age Nissan Sentra Kia Forte
18-Year-Old$6,306$6,714
20-Year-Old$4,136$4,382
25-Year-Old$2,404$2,530
30-Year-Old$2,208$2,322
40-Year-Old$2,082$2,184
50-Year-Old$1,862$1,948
60-Year-Old$1,738$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

For the five trims available for the 2022 Nissan Sentra, the cheapest trim level to insure is the S model at an average cost of $1,998 per year, or $167 per month.

For the five trim and option levels available for the Kia Forte, the cheapest 2022 model to insure is the FE model at a cost of $2,090 per year, or around $174 per month.

When average car insurance prices for all 10 trims of both models are combined and sorted by cost, the cheapest trim to insure is the Nissan Sentra S at an average of $1,998 per year, and the most expensive model and trim level is the Kia Forte GT costing an average of $2,270 per year.

The next tables display average car insurance cost by trim level for a 2022 Nissan Sentra and Kia Forte, along with an average cost for each model.

2022 Nissan Sentra

$2,082

Insurance Rates by Trim Level for a 2022 Nissan Sentra
2022 Nissan Sentra TrimsRate
S$1,998
SV2,064
SR2,080
SR Midnight Edition2,084
SR Premium2,178
2022 Nissan Sentra Average Rate$2,082

2022 Kia Forte

$2,184

Insurance Rates by Trim Level for 2022 Nissan Sentra
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 Nissan Sentra vs. Kia Forte

A 2021 Nissan Sentra is $102 cheaper to insure per year on average than a 2021 Kia Forte, a difference of 5.3%.

The chart shown below demonstrates the average car insurance cost for the two models with different driver age groups. For a 2021 Nissan Sentra, the average car insurance cost ranges from $1,672 to $3,708 per year. Car insurance for a 2021 Kia Forte ranges from $1,758 to $3,952 on average per year.

Average car insurance premiums for 2021 Nissan Sentra and Kia Forte models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Nissan Sentra and Kia Forte models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2021 model year Nissan Sentra 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 Nissan Sentra vs. Kia Forte Insurance Cost
Driver Age Nissan Sentra Kia Forte
18-Year-Old$5,645$6,053
20-Year-Old$3,708$3,952
25-Year-Old$2,164$2,286
30-Year-Old$1,986$2,094
40-Year-Old$1,872$1,974
50-Year-Old$1,672$1,758
60-Year-Old$1,562$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 26, 2025

For the five trims available for the 2021 Nissan Sentra, the cheapest model to insure is the S Sedan trim at an average cost of $1,794 per year.

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

When comparing combined rates for both models from a trim-level perspective, the overall cheapest vehicle to buy insurance for is the Nissan Sentra S Sedan at an average cost of $1,794 per year, and the most expensive model and trim level is the Kia Forte GT Sedan costing an average of $2,058 per year.

The next two tables break down the expected annual car insurance cost by trim level for both 2021 models, plus the average rate for each model. The cheapest to insure for the 2021 model year is the Nissan Sentra.

2021 Nissan Sentra

$1,872

Insurance Rates by Trim Level for a 2021 Nissan Sentra
2021 Nissan Sentra TrimsRate
S Sedan$1,794
SR Sedan1,860
SV Sedan1,860
SR Premium Sedan1,922
SV Premium Sedan1,922
2021 Nissan Sentra Average Rate$1,872

2021 Kia Forte

$1,974

Insurance Rates by Trim Level for 2021 Nissan Sentra
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 Nissan Sentra vs. Kia Forte

When comparing car insurance rates for 2020 models, a Nissan Sentra costs an average of $1,820 per year to insure while a Kia Forte costs $1,916, making the Nissan Sentra cheaper to insure by $96 per year for 2020.

The next chart demonstrates the average cost to insure both 2020 models for drivers from age 20 to 50. The average full-coverage insurance policy ranges from $1,628 to $3,606 per year for a 2020 Nissan Sentra, and $1,708 to $3,840 for a 2020 Kia Forte for the sample drivers in the chart

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

Data Methodology: Rates based on a 2020 model year Nissan Sentra 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 Nissan Sentra vs. Kia Forte Insurance Cost
Driver Age Nissan Sentra Kia Forte
18-Year-Old$5,491$5,878
20-Year-Old$3,606$3,840
25-Year-Old$2,106$2,222
30-Year-Old$1,930$2,034
40-Year-Old$1,820$1,916
50-Year-Old$1,628$1,708
60-Year-Old$1,518$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

Out of five trim levels for the 2020 Nissan Sentra, the cheapest average car insurance prices are on the S Sedan trim at a cost of $1,746 per year, or about $146 per month.

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

When comparing rates by trim level for both models, the lowest-cost model and trim level to insure is the Nissan Sentra S Sedan at an average of $1,746 per year, and the most expensive model and trim level is the Kia Forte GT Sedan costing an average of $2,000 per year.

The tables below display the average cost to insure each trim level for a 2020 Nissan Sentra and Kia Forte, including an overall average rate. The winner for the 2020 car insurance rate comparison is the Nissan Sentra.

2020 Nissan Sentra

$1,820

Insurance Rates by Trim Level for a 2020 Nissan Sentra
2020 Nissan Sentra TrimsRate
S Sedan$1,746
SR Sedan1,808
SV Sedan1,808
SR Premium Sedan1,870
SV Premium Sedan1,870
2020 Nissan Sentra Average Rate$1,820

2020 Kia Forte

$1,916

Insurance Rates by Trim Level for 2020 Nissan Sentra
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 Nissan Sentra vs. Kia Forte

When comparing insurance cost for the 2019 Nissan Sentra and Kia Forte models, the Nissan Sentra is cheaper by $20 per year.

The next chart shows the average cost to insure the two models with different drivers at the wheel. For a 2019 Nissan Sentra, average car insurance cost ranges from $1,654 to $3,648 per year for the sample drivers in the chart. Auto insurance on a 2019 Kia Forte ranges from $1,668 to $3,746 on average per year.

Average car insurance premiums for 2019 Nissan Sentra and Kia Forte models for different driver ages.
Figure 6: Average car insurance premiums for 2019 Nissan Sentra and Kia Forte models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2019 model year Nissan Sentra 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 Nissan Sentra vs. Kia Forte Insurance Cost
Driver Age Nissan Sentra Kia Forte
18-Year-Old$5,546$5,736
20-Year-Old$3,648$3,746
25-Year-Old$2,128$2,156
30-Year-Old$1,948$1,970
40-Year-Old$1,842$1,862
50-Year-Old$1,654$1,668
60-Year-Old$1,542$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 27, 2025

Out of five trims for the 2019 Nissan Sentra, the cheapest insurance rates are on the S Sedan model at a cost of $1,716 per year, or about $143 per month. The 2019 Kia Forte has four option levels available, with the cheapest trim level to insure being the FE Sedan trim at an average cost of $1,784 per year.

When insurance rates for all nine trims of both models are combined and sorted by cost, the overall cheapest vehicle to put coverage on is the Nissan Sentra S Sedan at an average of $1,716 per year. The highest-cost model and trim level is the Nissan Sentra Nismo Sedan at an average of $1,936 per year.

The next two tables illustrate the average cost to insure all 2019 trim levels, including an overall average cost for each model. The model with the cheapest auto insurance rates for 2019 is the Nissan Sentra.

2019 Nissan Sentra

$1,842

Insurance Rates by Trim Level for a 2019 Nissan Sentra
2019 Nissan Sentra TrimsRate
S Sedan$1,716
SV Sedan1,776
SL Sedan1,894
SR Sedan1,894
Nismo Sedan1,936
2019 Nissan Sentra Average Rate$1,842

2019 Kia Forte

$1,862

Insurance Rates by Trim Level for 2019 Nissan Sentra
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 Nissan Sentra vs. Kia Forte

When comparing insurance cost for the 2018 Nissan Sentra and Kia Forte models, the Nissan Sentra is cheaper by an average of $312 per year for 2018.

The chart below shows the average cost to insure both models rated for different driver ages. For a 2018 Nissan Sentra, the average car insurance cost ranges from $1,584 to $3,484 per year for the driver ages used. A full-coverage policy on a 2018 Kia Forte costs from $1,864 to $4,174 on average per year.

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

Data Methodology: Rates based on a 2018 model year Nissan Sentra 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 Nissan Sentra vs. Kia Forte Insurance Cost
Driver Age Nissan Sentra Kia Forte
18-Year-Old$5,291$6,383
20-Year-Old$3,484$4,174
25-Year-Old$2,032$2,398
30-Year-Old$1,862$2,188
40-Year-Old$1,760$2,072
50-Year-Old$1,584$1,864
60-Year-Old$1,476$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 five trim levels for the 2018 Nissan Sentra, the cheapest insurance rates are on the S Sedan model at a cost of $1,638 per year, or around $137 per month. For the seven option levels available for the Kia Forte, the cheapest 2018 trim package to insure is the S Sedan trim at a cost of $1,716 per year, or $143 per month.

When comparing both models combined at a trim-level basis, the lowest-cost model and trim to insure is the Nissan Sentra S Sedan at an average of $1,638 per year, and the most expensive trim is the Kia Forte Forte5 SX Hatchback at an average cost of $2,282 per year.

The next two tables show both 2018 models and all trim levels available for each one, along with the average rate for each model. The 2018 Nissan Sentra reigns victorious over the 2018 Kia Forte for the cheapest overall car insurance rates.

2018 Nissan Sentra

$1,760

Insurance Rates by Trim Level for a 2018 Nissan Sentra
2018 Nissan Sentra TrimsRate
S Sedan$1,638
SV Sedan1,712
SR Sedan1,796
SL Sedan1,818
Nismo Sedan1,834
2018 Nissan Sentra Average Rate$1,760

2018 Kia Forte

$2,072

Insurance Rates by Trim Level for 2018 Nissan Sentra
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 Nissan Sentra vs. Kia Forte

A 2017 Nissan Sentra costs $366 less per year to insure per year on average than a 2017 Kia Forte, a difference of 20.1%.

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 2017 Nissan Sentra, average car insurance cost ranges from $1,478 to $3,240 per year. Car insurance for a 2017 Kia Forte costs from $1,812 to $4,050 on average per year.

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

Data Methodology: Rates based on a 2017 model year Nissan Sentra 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 Nissan Sentra vs. Kia Forte Insurance Cost
Driver Age Nissan Sentra Kia Forte
18-Year-Old$4,913$6,192
20-Year-Old$3,240$4,050
25-Year-Old$1,892$2,324
30-Year-Old$1,732$2,120
40-Year-Old$1,642$2,008
50-Year-Old$1,478$1,812
60-Year-Old$1,380$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

For the three trims available for the 2017 Nissan Sentra, the cheapest model to insure is the S Sedan model at an average cost of $1,608 per year. Out of the six option levels available for the Kia Forte, the cheapest 2017 trim level to insure is the S Sedan trim at a cost of $1,850.

When all nine trims of both models are combined and compared, the lowest-cost model and trim level to buy insurance for is the Nissan Sentra S Sedan at a cost of $1,608 per year, and the most expensive trim is the Kia Forte SX Hatchback costing $2,118 per year.

The tables shown below break down trim level insurance rates for each 2017 model, including the average rate for each model. The model with the cheapest auto insurance rates for 2017 is the Nissan Sentra.

2017 Nissan Sentra

$1,642

Insurance Rates by Trim Level for a 2017 Nissan Sentra
2017 Nissan Sentra TrimsRate
S Sedan$1,608
SR Sedan1,660
SV Sedan1,660
2017 Nissan Sentra Average Rate$1,642

2017 Kia Forte

$2,008

Insurance Rates by Trim Level for 2017 Nissan Sentra
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 Nissan Sentra vs. Kia Forte

For the 2016 Nissan Sentra and Kia Forte models, the Nissan Sentra has cheaper car insurance cost by $134 per year for this model year.

The following chart shows the average cost to insure the two models for the 20, 30, 40, and 50-year-old driver age groups. The average full-coverage insurance policy ranges from $1,436 to $3,144 per year on a 2016 Nissan Sentra, and $1,554 to $3,464 on a 2016 Kia Forte for the chosen age groups in the chart

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

Data Methodology: Rates based on a 2016 model year Nissan Sentra 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 Nissan Sentra vs. Kia Forte Insurance Cost
Driver Age Nissan Sentra Kia Forte
18-Year-Old$4,768$5,288
20-Year-Old$3,144$3,464
25-Year-Old$1,834$1,996
30-Year-Old$1,678$1,820
40-Year-Old$1,590$1,724
50-Year-Old$1,436$1,554
60-Year-Old$1,338$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 Nissan Sentra trims, the cheapest 2016 model to insure is the S Sedan trim at an average cost of $1,522 per year, or around $127 per month. For the seven trim options available for the Kia Forte, the cheapest 2016 trim package to insure is the LX Sedan trim at a cost of $1,612.

When all 12 trims of both models are combined and compared, the lowest-cost model and trim to buy insurance for is the Nissan Sentra S Sedan at an average rate of $1,522 per year, and the highest-cost model and trim is the Kia Forte SX Hatchback costing $1,806 per year.

The next tables display trim level insurance cost averages for both 2016 models, including an overall average rate. The cheapest model to insure for the 2016 model year is the Nissan Sentra.

2016 Nissan Sentra

$1,590

Insurance Rates by Trim Level for a 2016 Nissan Sentra
2016 Nissan Sentra TrimsRate
S Sedan$1,522
S Plus Sedan1,572
SV Sedan1,572
SR Sedan1,618
SL Sedan1,668
2016 Nissan Sentra Average Rate$1,590

2016 Kia Forte

$1,724

Insurance Rates by Trim Level for 2016 Nissan Sentra
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 Nissan Sentra vs. Kia Forte

When comparing insurance cost for 2015 models, the Nissan Sentra costs an average of $1,398 per year to insure and the Kia Forte costs $1,654, making the Nissan Sentra the cheaper model to insure by $256.

The following chart illustrates the average insurance cost for both 2015 models with different drivers at the wheel. For a 2015 Nissan Sentra, average insurance cost ranges from $1,260 to $2,752 per year for the age groups used in the chart. A full-coverage policy for a 2015 Kia Forte costs from $1,492 to $3,318 on average per year.

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

Data Methodology: Rates based on a 2015 model year Nissan Sentra 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 Nissan Sentra vs. Kia Forte Insurance Cost
Driver Age Nissan Sentra Kia Forte
18-Year-Old$4,163$5,057
20-Year-Old$2,752$3,318
25-Year-Old$1,610$1,906
30-Year-Old$1,472$1,742
40-Year-Old$1,398$1,654
50-Year-Old$1,260$1,492
60-Year-Old$1,176$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

The 2015 Nissan Sentra has five trim levels available, with the cheapest model to insure being the S Plus Sedan trim at an average cost of $1,362 per year.

The 2015 Kia Forte has five trim and option levels available, with the cheapest trim level to insure being the EX Coupe model at an average cost of $1,598 per year.

When rates are compared for the 10 trims of both 2015 models, the lowest-cost model and trim to buy insurance for is the Nissan Sentra S Plus Sedan at an average cost of $1,362 per year. The most expensive model and trim level is the Kia Forte EX Hatchback costing an average of $1,728 per year.

The rate tables below detail average car insurance cost by trim level for a 2015 Nissan Sentra and Kia Forte, as well as the overall average rate for each model.

2015 Nissan Sentra

$1,398

Insurance Rates by Trim Level for a 2015 Nissan Sentra
2015 Nissan Sentra TrimsRate
S Plus Sedan$1,362
S Sedan1,362
SR Sedan1,408
SV Sedan1,408
SL Sedan1,452
2015 Nissan Sentra Average Rate$1,398

2015 Kia Forte

$1,654

Insurance Rates by Trim Level for 2015 Nissan Sentra
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 Nissan Sentra and Kia Forte Resources