Kia Forte Car Insurance Cost for 2023

Are car insurance rates expensive for a Kia Forte?

From the LX model up to the top level GT Manual trim level, we surveyed insurance cost for a Forte to find out how average rates rank against the rest of the 2023 small car segment.

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How much does Kia Forte insurance cost?

Kia Forte insurance rates average $1,730 annually for full coverage, or about $144 a month. You can expect to pay approximately $27 less each year for Kia Forte insurance compared to similar vehicles, and $45 more per year than the $1,685 national average for all vehicles.

The chart below details how average car insurance rates for the 2023 Kia Forte vary with differences in driver age and $250, $500, and $1,000 deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 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 January 23, 2023
Average Kia Forte Car Insurance Rates
2023 Kia Forte Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,944$245
$500$3,414$285
$250$3,908$326
30$1,000$1,542$129
$500$1,810$151
$250$2,088$174
40$1,000$1,484$124
$500$1,730$144
$250$1,984$165
50$1,000$1,358$113
$500$1,576$131
$250$1,806$151
60$1,000$1,330$111
$500$1,544$129
$250$1,770$148

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 $2,400 per year for a 20-year-old driver and as much as $712 per year for a 40-year-old driver.
  • Age and gender affect car insurance rates. For a 2023 Kia Forte, a 20-year-old male pays an average price of $3,414 per year, while a 20-year-old female will get a rate of $2,556, a difference of $858 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $1,576 and the cost for female drivers is $1,544, 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 $2,066 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 $272 per year over a credit rating between 670-739. Conversely, a weak credit rating could cost as much as $315 more per year.
  • The cost to insure teen drivers is expensive. Average rates for full coverage Forte insurance costs $6,286 per year for a 16-year-old driver, $5,828 per year for a 17-year-old driver, and $5,428 per year for an 18-year-old driver.

What is the cheapest Kia Forte insurance?

With Kia Forte car insurance cost ranging from $1,660 to $1,800 annually for the average driver, the most affordable model to insure is the LX. The next cheapest trim level to insure is the LXS.

The two most expensive models of Kia Forte to insure are the GT Manual at $1,800 and the GT at $1,786 per year. Those two trim levels will cost an extra $140 and $126 per year, respectively, over the lowest cost LX model.

On average, drivers can plan on budgeting between $138 and $150 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 2023 Kia Forte, breaking down rates by vehicle trim level.

2023 Kia Forte Insurance Cost by Trim Level
Kia Forte Trim Level Annual Policy Six-Month Policy Per Month
LX$1,660$830$138
LXS$1,678$839$140
GT-Line$1,726$863$144
GT$1,786$893$149
GT Manual$1,800$900$150

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 February 5, 2023
Kia Forte Insurance Cost by Trim Level

Kia Forte insurance cost comparison

The Kia Forte ranks ninth out of 15 total comparison vehicles in the small car category for the 2023 model year. The Forte costs an estimated $1,730 per year to insure for full coverage and the category median rate is $1,757 per year, a difference of $27 per year.

When compared directly to other small cars, Kia Forte insurance costs $2 more per year than the Honda Civic, $74 more than the Toyota Corolla, $94 more than the Nissan Sentra, and $198 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$1,462-$268
2Volkswagen Jetta$1,610-$120
3Nissan Sentra$1,636-$94
4Toyota Corolla$1,656-$74
5Volkswagen Golf$1,660-$70
6Toyota Prius$1,662-$68
7Mazda 3$1,690-$40
8Honda Civic$1,728-$2
9Kia Forte$1,730--
10Mitsubishi Mirage G4$1,738$8
11Nissan Leaf$1,778$48
12Nissan Versa$1,882$152
13Hyundai Elantra$1,928$198
14Toyota GR Corolla$2,004$274
15Toyota Mirai$2,190$460

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on January 23, 2023
Kia Forte Insurance Cost vs Other Small Cars

Comparing average overall car insurance rates gives a general picture of how models rank in the segment, but when shopping for a new car, consumers often want to know how the cost of insurance for a vehicle compares to models with similar sticker prices.

A 2023 Forte has an average MSRP of $22,050, ranging from $19,490 to $24,890, dependent upon the exact model purchased.

The five models that have the most similar sticker prices to the Kia Forte are the Nissan Sentra, Subaru Impreza, Toyota Corolla, Volkswagen Jetta, and Hyundai Elantra. The next list compares those models to the Forte for both purchase price and the average cost of a car insurance policy.

  • Compared to the Nissan Sentra – Having an average price of $21,769 and ranging from $19,950 to $23,395, the Nissan Sentra costs $281 less than the Forte. Drivers can expect to pay an average of $94 less per year for insurance on the Nissan Sentra compared to a Forte.
  • Compared to the Subaru Impreza – Having an average sticker price of $23,281 ($19,795 to $27,395), the Subaru Impreza costs $1,231 more than the average MSRP for the Forte. Insurance on a 2023 Kia Forte costs an average of $268 more per year than the Subaru Impreza.
  • Compared to the Toyota Corolla – The Toyota Corolla retails for an average of $24,524 ($21,550 to $26,700), which is $2,474 more expensive than the average cost for the Forte. Insurance on a Kia Forte costs an average of $74 more annually than the Toyota Corolla.
  • Compared to the Volkswagen Jetta – With an average MSRP of $25,315 ($20,665 to $31,585), the 2023 Volkswagen Jetta costs $3,265 more than the average MSRP for the Forte. Insurance on the Forte costs an average of $120 more annually than the Volkswagen Jetta.
  • Compared to the Hyundai Elantra – With an average price of $25,957 ($20,500 to $32,650), the 2023 Hyundai Elantra costs $3,907 more than the average cost for the Forte. The cost to insure a Kia Forte compared to the Hyundai Elantra is $198 less per year on average.

Insurance rates for prior model years

Driving and insuring a 2013 Forte in place of a more expensive 2023 version could save an estimated $488 on a yearly basis. Even opting for a gently used 2018 model may save the average driver $46 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 $1,194 for a 2014 Kia Forte to a high of $1,730 for a new 2023 model.

Kia Forte Insurance Cost for 2013-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 Kia Forte$1,730$865$144
2022 Kia Forte$1,694$847$141
2021 Kia Forte$1,532$766$128
2020 Kia Forte$1,512$756$126
2019 Kia Forte$1,480$740$123
2018 Kia Forte$1,684$842$140
2017 Kia Forte$1,638$819$137
2016 Kia Forte$1,434$717$120
2015 Kia Forte$1,384$692$115
2014 Kia Forte$1,194$597$100
2013 Kia Forte$1,242$621$104

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 January 23, 2023
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 $504 annually, depending on the prior deductible level and the age of the driver.

Is a Kia Forte expensive to insure for teenage drivers?

Average Forte insurance rates for teenagers range from $4,884 to $6,286 for male drivers and $4,340 to $5,540 for female drivers. Teenage drivers (ages 16-19) have the most expensive car insurance rates due to their lack of experience and tendency to get into accidents.

The chart below shows average car insurance rates for both male and female teen drivers on a 2023 Kia Forte insured for full coverage.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for a 2023 model year Kia Forte with $500 physical damage deductibles. Rates are averaged across all U.S. states and all Kia Forte trim levels.Data last updated on January 23, 2023
Kia Forte Insurance Cost for Teenage Drivers
Kia Forte Insurance Cost for Teenage Drivers
Gender Driver Age 16 Age 17 Age 18 Age 19
Male$6,286$5,828$5,428$4,884
Female$5,540$5,204$4,706$4,340

Despite insurance being expensive for teens, there are some steps you can take to reduce the cost. The prices above reflect the cost to insure a new Forte. Buying a used model is generally cheaper to insure than a new one.

Another way to reduce the cost of insurance for a teen driver is to insure the vehicle for liability coverage only. It’s important to understand that if you do this, you do not have insurance coverage for claims like fender benders, fire, flood, or theft. Also, if you have a lienholder on the vehicle, you will not be permitted to carry liability only.

Some insurance companies provide discounts for driver training and good academic performance, so check with your company to see if you qualify for those.