Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 18, 2020

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Key takeaways:

  • Full coverage costs around $1,352 a year or $113 each month
  • A liability-only policy costs around $542 a year or $45 each month
  • Highest rates are for teenage drivers at around $4,942 a year or $412 each month
  • Good drivers can save as much as $557 a year by earning policy discounts
  • Kia Forte insurance costs around $167 less per year than the average vehicle

Kia Forte insurance rates are $113 per month for full coverage and $45 per month for liability-only coverage. You can save up to $557 on Kia Forte insurance rates under policy discounts. Learn more about the Kia Forte in this vehicle review.

You can start comparing quotes for Kia Forte auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Kia Forte Insurance Cost

The average Kia Forte auto insurance costs are $1,352 a year or $113 a month.

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Are Kia Fortes Expensive to Insure?

The chart below details how Kia Forte insurance rates compare to other sedans like the Honda Civic, Subaru Legacy, and Subaru Impreza.

Vehicle Comprehensive Collision Liability Total
Kia Forte $322 $500 $372 $1,352
Honda Civic $280 $656 $420 $1,536
Subaru Legacy $370 $506 $338 $1,350
Subaru Impreza $320 $542 $390 $1,410
Ford Fusion $336 $626 $372 $1,492
Chevrolet Blazer $376 $688 $316 $1,516
Toyota Camry $294 $570 $390 $1,412
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However, there are a few things you can do to find the cheapest Kia insurance rates online.

What Impacts the Cost of Kia Forte Insurance?

The Kia Forte trim and model you choose will affect the total price you will pay for Kia Forte insurance coverage.

Age of the Vehicle

Older Kia Forte models generally cost less to insure. For example, auto insurance for a 2020 Kia Forte costs $1,352, while 2010 Kia Forte insurance costs are $1,120, a difference of $232.

Model Year Comprehensive Collision Liability Total
2020 Kia Forte $322 $500 $372 $1,352
2019 Kia Forte $306 $482 $390 $1,336
2018 Kia Forte $294 $478 $398 $1,328
2017 Kia Forte $284 $466 $416 $1,324
2016 Kia Forte $274 $446 $430 $1,308
2015 Kia Forte $260 $430 $442 $1,290
2014 Kia Forte $250 $400 $452 $1,260
2013 Kia Forte $240 $376 $456 $1,230
2012 Kia Forte $230 $338 $460 $1,186
2011 Kia Forte $214 $310 $460 $1,142
2010 Kia Forte $206 $292 $464 $1,120
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Driver Age

Driver age can have a significant impact on Kia Forte auto insurance rates. For example, 20-year-old drivers pay approximately $1,654 more each year for their Kia Forte auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Kia Forte insurance rates. For example, drivers in Phoenix may pay $744 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of Kia Forte auto insurance. Teens and drivers in their 20’s see the highest jump in their Kia Forte auto insurance rates with violations on their driving record.

Kia Forte Safety Ratings

Your Kia Forte auto insurance rates are influenced by the Kia Forte’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Kia Forte Crash Test Ratings

The crash test ratings of the Kia Forte can impact your Kia Forte auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Kia Forte 4 DR FWD 4 stars 4 stars 5 stars 4 stars
2019 Kia Forte 4 DR FWD 4 stars 4 stars 5 stars 4 stars
2018 Kia Forte 5 HB FWD N/R N/R 5 stars 4 stars
2018 Kia Forte 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2017 Kia Forte Koup 2 DR FWD N/R N/R N/R N/R
2017 Kia Forte 5 HB FWD N/R N/R 5 stars 4 stars
2017 Kia Forte 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2016 Kia Forte Koup 2 DR FWD N/R N/R N/R N/R
2016 Kia Forte 5 HB FWD N/R N/R 5 stars 4 stars
2016 Kia Forte 4 DR FWD 5 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Kia Forte Safety Features

Having a variety of safety features on your Kia Forte can help lower your Kia Forte insurance costs. The Kia Forte’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Kia Forte Insurance Loss Probability

The lower percentage means lower Kia Forte auto insurance rates; higher percentages mean higher Kia Forte auto insurance rates. Insurance loss probability on the Kia Forte fluctuates between each type of coverage.

Insurance Coverage Category Loss Rate
Collision 14%
Property Damage 17%
Comprehensive 3%
Personal Injury 76%
Medical Payment 83%
Bodily Injury 44%
Source: Insurance Institute for Highway Safety
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Kia Forte Finance and Insurance Cost

If you are financing a Kia Forte, most lenders will require your carry higher Kia Forte coverages including comprehensive coverage, so be sure to compare Kia Forte auto insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Kia Forte Insurance

You have more options at your disposal to save money on your Kia Forte auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Kia Forte auto insurance rates

  • Never Drink and Drive In Your Kia Forte
  • Move to the Countryside
  • Use a Service Like Turo to Rent Out Your Kia Forte
  • Ask About Student Discounts
  • Re-Check Kia Forte Insurance Rates Every 6 Months

Top Kia Forte Insurance Companies

Who is the top auto insurance company for Kia Forte insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia Forte auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Kia Forte offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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