Kia Forte Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Kia Forte costs more than most other cars to insure.

• Liability only auto insurance rates for a Forte tend to be about $96 per month, while full coverage usually averages around $191 a month.

• The lowest car insurance company for a Forte is AmericanAlliance.

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Forte Overview

With a base price of just $17,890 for new 2021 models, the Kia Forte is a great car for all budgets. There are four different trim levels currently available, so there's an option for every driver.

We ran through thousands of insurance quotes on Compare.com, and we've determined that average Kia Forte auto insurance prices run about $185 monthly. But compared to other vehicles in the market, are Forte car insurance premiums higher or lower than those of similar cars?

How Much is Car Insurance for a Kia Forte?

If you look at the table above, you'll find that Kia Forte insurance prices are above average compared to other vehicles. On average, Forte drivers can expect to pay around $96 a month for liability insurance, and about $191 per month for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

Comparing it to other Kia models, the Forte is more expensive, with premiums more than 10% higher than the rest of the manufacturer's vehicle offerings. Compared to offerings from other brands, insurance for a Forte is similarly on the expensive side, with full coverage insurance rates coming in around $14 more and $13 more for liability only insurance.

They're also on the more expensive end to insure than the average vehicle, no matter which make, body style, or model you compare it to.

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Who has the Cheapest Car Insurance for a Kia Forte?

If you're in the market for a car insurance policy for a Kia Forte, you may want to know which carrier offers the most affordable rates. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $24 per month from Ohio Mutual. The runner up for cheapest rates is CaliforniaCasualty, with auto insurance policies starting as little as $37 a month.

The third, fourth, and fifth carriers on the list are Commonwealth Casualty, Verti, and Hugo. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since insurance carriers look at multiple things when calculating premiums. There's only one way to make sure you find the most affordable possible rates, and that's by getting quotes from quite a few car insurance companies.

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What Factors Affect Car Insurance Rates for a Kia Forte?

As we mentioned above, there are a multitude of factors that auto insurance carriers consider to choose how much they charge you for a policy -- and each company weighs certain pieces more than others, so there's not a single carrier that's the lowest for everyone.

Keep reading to learn which variables car insurance companies look at and how they affect your final rate:

Vehicle Age

The Kia Forte has been around for a while, so vehicle age will likely play a big role in what you end up paying for insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as cars get older, insurance costs will gradually go lower.

Based on the information in the table above, the Kia Forte is an outlier, as the cheapest models to insure are those that are 4 to 5 years old, while on average, the most expensive Fortes are 11 to 14 years old.

Your Age

Age is another factor that plays a role in how much auto insurance carriers will charge you for car insurance. As you can see above, the youngest Forte drivers have more expensive prices than drivers with more experience. In this case, drivers under 18 pay over three times as much as those 25 or older.

Auto insurance prices continue to go down as you get older, with drivers aged 65 years and older making up the cheapest age group for the Forte.

Your Gender

Did you know men normally pay more for insurance than women? This is because women are less likely to get speeding tickets and get into collisions, which lowers the chances of an insurance claim. The Kia Forte follows this convention, and men pay about $98 monthly for auto insurance, while women pay around $93.

Where You Live

You may think it's obvious that things such as what vehicle you drive and how old you are play a role in your insurance rates, but you may not realize that where you live matters just as much. Because car insurance is regulated on the state level and not nationally, premiums can change quite a bit from state to state.

For example, the average Kia Forte driver in New York pays about $207 per month for liability coverage. Meanwhile, on average, the same owner from California will pay less than half of that price. The chart above shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change across states.

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Kia Forte Car Insurance Discounts

No matter your home state, your car, or your age, using as many discounts as possible when it comes to your insurance is always important when shopping around for a new policy.

Not every car insurance company will offer the same discounts, but there are a few that are relatively common. These include things like:

• Multi-policy discounts for getting both your home and auto policies from the same carrier
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
• Pay-in-full discounts for drivers who choose to pay their entire policy price at once, rather than by monthly payments
• Multi-car discounts for having several vehicles on your auto policy

These are just a few of the discounts out there. Sometimes the best way to save is just by having a profile that looks good to auto insurance companies.

Even though you may not have control of every variable insurance carriers examine to calculate premiums (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the ones you can use to your favor in order to save on auto insurance:

Your Driving Record

You've probably observed ads from car insurance companies promoting large discounts for responsible drivers. It checks out that if you get into a collision or get a speeding ticket, auto insurance rates will go higher. But you're probably wondering exactly how much these infractions will cost you.

You can see from the table above that accidents will usually cost Forte drivers more than tickets, but both will result in higher than normal rates. Kia Forte drivers with a single accident on their record pay about $111 every month (up $15 from the $96/mo. overall average), while drivers with one ticket will pay an average of $106 a month. Drivers with multiple violations of either kind will end up paying even more.

How Much You Drive

The amount of miles you drive impacts your insurance premiums. Those who drive less often are less likely to get into collisions, so they'll typically end up spending less on car insurance. Based on the table above, you can see that Kia Forte owners who drive between 5,000 and 7,500 miles a year pay an average of $89 per month for auto insurance, while those who put less than 2,500 miles on their cars pay $113.

But if you don't use your Kia Forte that often, it may be worth learning about pay-per-mile or usage-based car insurance. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Kia Fortes Compare to Other Vehicles?

If you're thinking about making a Kia Forte your next purchase, you might be wondering how it compares to other cars. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth taking into consideration.

Review the table below to see how the Kia Forte compares:

With an MSRP that's less than half of the going rate for a new vehicle, the Kia Forte is a fantastic value for any budget. The Forte starts at $17,890, which is much cheaper than the national average vehicle MSRP of $46,179.

Although the Forte's price is on the low end of the spectrum, insurance prices are slightly higher when compared to other vehicles on the market. Liability insurance for a Kia Forte is around $4 per month more than average, while full coverage is over $40 more monthly.

When it comes to usage, Kia Forte owners drive about the same amount annually as the national average, with 11,660 miles per year for all vehicles compared to the Forte's 12,308 each year.

Kia Forte Car Insurance Costs by Model Year

So far, you've seen how different factors have an impact on what you'll pay for auto insurance. But if you're considering buying a new Forte, knowing what you'll likely pay for the specific car you're looking at can be helpful as you consider your choices.

For this reason, we've done the heavy lifting and analyzed Kia Forte car insurance rates by model year. Find the model year you want in the dropdown to see average rates for both full coverage and liability only options. We've included some additional information you might find helpful, too, like the base MSRP, who offers the cheapest policies, which trim levels are offered for each Forte model year.

Choose Your Model

2021 Kia Forte Car Insurance 2020 Kia Forte Car Insurance 2019 Kia Forte Car Insurance 2018 Kia Forte Car Insurance 2017 Kia Forte Car Insurance 2016 Kia Forte Car Insurance 2015 Kia Forte Car Insurance 2014 Kia Forte Car Insurance 2013 Kia Forte Car Insurance 2012 Kia Forte Car Insurance 2011 Kia Forte Car Insurance 2010 Kia Forte Car Insurance

2021 Kia Forte Car Insurance

If you're searching for a brand new Kia Forte, there are plenty of options to choose from. With four different trim levels available on this year's Forte, you're sure to find one that suits your style.

When it comes to insuring a Forte, the average 2021 Kia Forte generally costs about $85 a month to insure for liability only and $210 per month for full coverage. And if you want the most affordable insurance possible, Hugo offers liability only policies for as cheap as $17 monthly.

While this gave you a good idea of what the average 2021 Forte will cost to insure, you'll only find out exactly what you'll pay if you get a personalized quote. Luckily, Compare.com will gather quotes from a variety of carriers for you, all for free. Simply enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

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2020 Kia Forte Car Insurance

If you're in the market for a 2020 Forte or already own one, you're most likely looking at an average insurance premium of around $106 for liability or $231 for full coverage.

And if you're just looking for the lowest auto insurance for your Forte, Safeco offers liability only policies for as low as $26 a month.

If you want to know exactly how much you can expect to pay for your Forte, get free quotes in minutes by just entering your ZIP code below.

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2019 Kia Forte Car Insurance

On average, drivers who own a 2019 Kia Forte can expect to pay $110 to $203 monthly for liability only and full coverage insurance, respectively.

With premiums as low as just $17 per month, MetroMile offered the most affordable policy we found for the 2019 Kia Forte.

While these are good estimates of what the average driver might pay to insure a 2019 Kia Forte, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2018 Kia Forte Car Insurance

2018 Forte drivers can expect to pay an average of $101 a month for liability or $196 for full coverage.

With rates as cheap as just $24 per month, DirectGeneral offered the cheapest policy we found.

What will your car insurance rate be? Get multiple free customized quotes by just entering your ZIP code below.

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2017 Kia Forte Car Insurance

It costs about $106 monthly for liability or $198 for a full coverage policy for the 2017 Kia Forte.

Looking for the most affordable policy? Gainsco offered liability only coverage for sometimes as little as $25 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2016 Kia Forte Car Insurance

The average cost to insure a 2016 Forte with liability only coverage is $87 per month, while full coverage runs around $195 monthly.

We found Liberty Mutual offered the cheapest policy, with rates sometimes as low as $16 a month.

Want to find the lowest rates? Enter your ZIP code below to get several personalized quotes for free.

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2015 Kia Forte Car Insurance

You can expect full coverage for a 2015 Kia Forte to run about $188 monthly, while liability only coverage will average around $92 per month.

Commonwealth Casualty offered the most affordable policy we found, with rates sometimes as cheap as $19 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2014 Kia Forte Car Insurance

On average, drivers who own a 2014 Forte can expect to pay $96 to $190 per month for liability only and full coverage auto insurance, respectively.

If you're looking for the lowest possible 2014 Kia Forte insurance policy, Safeco offered the lowest policy we found, with rates as little as just $20 a month.

If you want to know exactly how much you can expect to pay for your Forte, just enter your ZIP code below and get several free quotes in minutes.

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2013 Kia Forte Car Insurance

You can expect full coverage for a 2013 Kia Forte to run about $176 monthly, while liability only coverage will average around $100 a month.

Gainsco has prices as little as $16 per month for the 2013 Kia Forte.

Interested in just how much you'll pay? Get lots of personalized quotes for free by just entering your ZIP code below.

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2012 Kia Forte Car Insurance

It costs about $83 a month for liability or $180 for a full coverage policy for the 2012 Forte.

If you're looking for the most affordable 2012 Kia Forte insurance policy, Liberty Mutual offered the cheapest policy we found, with rates as cheap as just $18 monthly.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2011 Kia Forte Car Insurance

The average cost to insure a 2011 Kia Forte with liability only coverage is $94 per month, while full coverage runs around $167 a month.

With premiums as little as just $17 per month, Liberty Mutual offered the lowest policy we found for the 2011 Kia Forte.

If you're looking for a more exact figure on what you should pay for car insurance for a 2011 Kia Forte, you can get free quotes in minutes by just entering your ZIP code below.

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2010 Kia Forte Car Insurance

2010 Forte drivers can expect to pay an average of $94 monthly for liability or $167 for full coverage.

MetLife offered the most affordable policy we found, with rates as low as just $19 a month.

If you want to find the best rates for insurance for a 2010 Kia Forte, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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Kia Forte Insurance FAQs

Is a Kia Forte expensive to insure?

The Kia Forte is relatively expensive to insure compared to the average vehicle. Liability insurance runs an average of $96 per month, while full coverage will cost you around $191.

How can I get the best price on car insurance for my Kia Forte?

There's only one way to be sure you're getting the cheapest rates -- regularly shopping around and comparing quotes from a whole range of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from an array of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Kia Forte affect my insurance prices?

Have you heard the old adage that it costs more to insure a red car before? Well, that's actually a myth. Although there are several variables auto insurance companies use when they decide how much your policy will be, your Kia Forte's color is not on that list.

Do I need to have insurance before I buy a Kia Forte?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have valid car insurance for it. As part of the buying process, some dealerships may offer you an auto insurance policy, but the best thing to do when buying a a new car is to let your insurance company know ahead of time.

What car insurance discounts can I get for my Kia Forte?

There are a bunch of discounts out there for auto insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the car you drive, but if your Forte has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you talk with your insurance agent and ask about which discounts they offer.