- Kia Forte insurance cost averages $1,560 per year, or around $130 per month for full coverage.
- 2022 Kia Forte car insurance rates range from $1,494 to $1,620 annually for an average driver, depending on trim level.
- When compared to other small cars, the Forte is one of the cheaper small cars to insure, costing $9 less per year on average.
How much does Kia Forte insurance cost?
Kia Forte insurance rates average $1,560 annually for full coverage, or about $130 a month. You can expect to pay approximately $9 less each year for Kia Forte insurance compared to similar vehicles, and $7 less per year than the $1,567 national average for all vehicles.
The chart below details how average car insurance rates for the 2022 Kia Forte vary with differences in driver age and $250, $500, and $1,000 deductibles.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
Some other key points to keep in mind when buying insurance on a Forte are:
- Avoiding accidents means cheaper Forte insurance. Causing too many accidents will raise rates, possibly up to $2,170 per year for a 20-year-old driver and as much as $646 per year for a 40-year-old driver.
- Age and gender affect car insurance rates. For a 2022 Kia Forte, a 20-year-old male pays an average price of $3,084 per year, while a 20-year-old female will get a rate of $2,302, a difference of $782 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $1,422 and the cost for female drivers is $1,396, a difference of only $26.
- Expect to pay a lot for high risk insurance. For a 40-year-old driver, having to buy a high-risk insurance policy could inflate rates by $1,868 or more per year.
- Raise your credit score for cheaper rates. In states that have insurance regulations that allow a policyholder’s credit data to be used for generating rates, having a credit score above 800 could possibly save as much as $245 per year over a credit rating between 670-739. Conversely, a weak credit rating could cost as much as $284 more per year.
- The cost to insure teen drivers is expensive. Average rates for full coverage Forte insurance costs $5,682 per year for a 16-year-old driver, $5,272 per year for a 17-year-old driver, and $4,910 per year for a 18-year-old driver.
What is the cheapest Kia Forte insurance?
With Kia Forte car insurance cost ranging from $1,494 to $1,620 annually for the average driver, the most affordable model to insure is the FE. The next cheapest trim level to insure is the LXS.
The two most expensive models of Kia Forte to insure are the GT at $1,620 and the GT Manual at $1,588 per year. Those two trim levels will cost an extra $126 and $94 per year, respectively, over the lowest cost FE model.
On average, drivers can plan on budgeting between $125 and $135 per month to insure a Forte for full coverage. These rates can change significantly, however, based on different policy limits, driver age, location, and the company you choose to insure with.
The table below shows average annual and 6-month insurance cost for a 2022 Kia Forte, breaking down rates by vehicle trim level.
|Kia Forte Trim Level||Annual Policy||6-month Policy||Per Month|
Forte vs other small cars: Which has cheaper insurance?
The Kia Forte ranks #13 out of 20 total comparison vehicles in the small car category. The Forte costs an estimated $1,560 per year to insure for full coverage and the category median rate is $1,569 per year, a difference of $9 per year.
When compared directly to other small cars, Kia Forte insurance costs $50 more per year than the Honda Civic, $60 more than the Toyota Corolla, $72 more than the Nissan Sentra, and $160 less than the Hyundai Elantra.
The table below shows how Forte car insurance rates compare among the entire compact car segment. The table also includes a difference column that shows how much cheaper or more expensive each model is than the Kia Forte.
|19||Mitsubishi Mirage G4||$1,728||$168|
Does a used Kia Forte cost less to insure?
Driving and insuring a 2013 Forte in place of a more expensive 2022 version could save an estimated $412 on a yearly basis. Even opting for a gently used 2018 model may save the average driver $14 on a yearly basis.
The following data table details estimated full coverage auto insurance policy costs for a Kia Forte for various model years. Yearly insurance rates range from a low of $1,114 for a 2014 Kia Forte to a high of $1,546 for a 2018 model year.
|Model Year and Vehicle||Annual Rate||6-month Rate||Monthly Rate|
|2022 Kia Forte||$1,560||$780||$130|
|2021 Kia Forte||$1,400||$700||$117|
|2020 Kia Forte||$1,376||$688||$115|
|2019 Kia Forte||$1,362||$681||$114|
|2018 Kia Forte||$1,546||$773||$129|
|2017 Kia Forte||$1,516||$758||$126|
|2016 Kia Forte||$1,324||$662||$110|
|2015 Kia Forte||$1,290||$645||$108|
|2014 Kia Forte||$1,114||$557||$93|
|2013 Kia Forte||$1,148||$574||$96|
Eventually, vehicle owners will have to decide when to delete coverage for physical damage claims from the policy. As vehicles age and their value decreases from depreciation, the cost of having physical damage coverage exceeds the benefits provided by having it.
Deleting physical damage coverage from an older model Kia Forte could save in the ballpark of $478 annually, depending on the prior deductible level and the age of the driver.