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 $1,560 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.

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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 September 8, 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$2,658$222
$500$3,084$257
$250$3,534$295
30$1,000$1,390$116
$500$1,632$136
$250$1,882$157
40$1,000$1,340$112
$500$1,560$130
$250$1,790$149
50$1,000$1,222$102
$500$1,422$119
$250$1,628$136
60$1,000$1,200$100
$500$1,394$116
$250$1,598$133

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.

2022 Kia Forte Insurance Cost by Trim Level
Kia Forte Trim Level Annual Policy 6-month Policy Per Month
FE$1,494$747$125
LXS$1,528$764$127
GT-Line$1,574$787$131
GT Manual$1,588$794$132
GT$1,620$810$135

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 September 8, 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 $1,560 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.

Kia Forte Insurance Cost vs Other Small Cars
Rank Make/Model Insurance Cost Difference
1Subaru Impreza$1,324-$236
2Chevrolet Spark$1,328-$232
3Volkswagen Golf$1,466-$94
4Volkswagen Jetta$1,482-$78
5Nissan Sentra$1,488-$72
6Toyota Corolla$1,500-$60
7Kia Rio$1,504-$56
8Honda Civic$1,510-$50
9Mazda 3$1,516-$44
10Toyota Prius$1,526-$34
11Hyundai Accent$1,544-$16
12Hyundai Veloster$1,556-$4
13Kia Forte$1,560--
14Nissan Leaf$1,628$68
15Hyundai Ioniq$1,636$76
16Honda Clarity$1,678$118
17Nissan Versa$1,718$158
18Hyundai Elantra$1,720$160
19Mitsubishi Mirage G4$1,728$168
20Toyota Mirai$1,968$408

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 September 8, 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 $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.

Kia Forte Insurance Cost for 2013-2022 Models
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

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 September 8, 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 $478 annually, depending on the prior deductible level and the age of the driver.