Kia Forte Car Insurance Cost for 2022

How much does Kia Forte insurance cost? We compare rates from the base FE trim up to the GT and GT-Line models to see how the Forte ranks against other compact cars for insurance affordability.

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How much does Kia Forte insurance cost?

Kia Forte insurance rates average $1,550 annually for full coverage, or about $129 a month. You can expect to pay approximately $7 less each year for Kia Forte insurance compared to similar vehicles, and $1 less per year than the $1,551 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.

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Chart Data Details: Chart shows average insurance cost for a 2022 Kia Forte with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Kia Forte trim levels.Data last updated on April 14, 2022
Average Kia Forte Car Insurance Rates
Kia Forte Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,638$220
$500$3,062$255
$250$3,506$292
30$1,000$1,378$115
$500$1,618$135
$250$1,868$156
40$1,000$1,328$111
$500$1,550$129
$250$1,776$148
50$1,000$1,214$101
$500$1,412$118
$250$1,618$135
60$1,000$1,188$99
$500$1,382$115
$250$1,584$132

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 $2,152 per year for a 20-year-old driver and as much as $640 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 $3,062 per year, while a 20-year-old female will get a rate of $2,286, a difference of $776 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $1,412 and the cost for female drivers is $1,380, a difference of only $32.
  • 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 $1,852 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 $243 per year over a credit rating between 670-739. Conversely, a weak credit rating could cost as much as $282 more per year.
  • The cost to insure teen drivers is expensive. Average rates for full coverage Forte insurance costs $5,640 per year for a 16-year-old driver, $5,230 per year for a 17-year-old driver, and $4,872 per year for a 18-year-old driver.

What is the cheapest Kia Forte insurance?

With Kia Forte car insurance cost ranging from $1,482 to $1,608 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 $1,608 and the GT Manual at $1,574 per year. Those two trim levels will cost an extra $126 and $92 per year, respectively, over the lowest cost FE model.

On average, drivers can plan on budgeting between $124 and $134 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.

2022 Kia Forte Insurance Cost by Trim Level
Kia Forte Trim Level Annual Policy 6-month Policy Per Month
FE$1,482$741$124
LXS$1,516$758$126
GT-Line$1,562$781$130
GT Manual$1,574$787$131
GT$1,608$804$134

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Kia Forte, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Kia Forte Insurance Cost by Trim Level

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 $1,550 per year to insure for full coverage and the category median rate is $1,557 per year, a difference of $7 per year.

When compared directly to other small cars, Kia Forte insurance costs $52 more per year than the Honda Civic, $64 more than the Toyota Corolla, $74 more than the Nissan Sentra, and $156 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.

Kia Forte Insurance Cost vs Other Small Cars
Rank Make/Model Insurance Cost Difference
1Subaru Impreza$1,312-$238
2Chevrolet Spark$1,320-$230
3Volkswagen Golf$1,456-$94
4Volkswagen Jetta$1,470-$80
5Nissan Sentra$1,476-$74
6Toyota Corolla$1,486-$64
7Kia Rio$1,494-$56
8Honda Civic$1,498-$52
9Mazda 3$1,500-$50
10Toyota Prius$1,512-$38
11Hyundai Accent$1,530-$20
12Hyundai Veloster$1,546-$4
13Kia Forte$1,550--
14Nissan Leaf$1,616$66
15Hyundai Ioniq$1,620$70
16Honda Clarity$1,666$116
17Hyundai Elantra$1,706$156
18Nissan Versa$1,708$158
19Mitsubishi Mirage G4$1,714$164
20Toyota Mirai$1,956$406

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Kia Forte Insurance Cost vs Other Small Cars

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 $18 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 $1,106 for a 2014 Kia Forte to a high of $1,532 for a 2018 model year.

Kia Forte Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Kia Forte$1,550$775$129
2021 Kia Forte$1,390$695$116
2020 Kia Forte$1,368$684$114
2019 Kia Forte$1,352$676$113
2018 Kia Forte$1,532$766$128
2017 Kia Forte$1,502$751$125
2016 Kia Forte$1,314$657$110
2015 Kia Forte$1,282$641$107
2014 Kia Forte$1,106$553$92
2013 Kia Forte$1,138$569$95

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Kia Forte Insurance Cost by Model Year

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 $474 annually, depending on the prior deductible level and the age of the driver.