KIA Forte Car Insurance Cost 2025
The average cost of insuring a KIA Forte is around $736 per year. However, your actual rate may vary depending on factors like your age, the car’s model year, and other personal details. Check the quote tables below to get a more tailored estimate.
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If you’re thinking about buying a KIA Forte, you’ll need to think about the cost of insurance. On average, insurance for a KIA Forte costs $736 per year. Insurance is an important part of owning a car, so it’s essential to understand it before you make a purchase.
Choosing the right car insurance is crucial to avoid unexpected and potentially high expenses later on. It’s important to have enough coverage if you have an accident to avoid paying a lot out of pocket. Plus, if you’re found at fault in an accident, your premiums could go up.
With over ten years of experience analyzing car insurance rates, I’ve seen how much these costs can vary. Things like your age, driving record, and where you live can all affect how much you’ll pay for insurance.
How Much Does KIA Forte Car Insurance Cost?
Typically, KIA Forte drivers can find car insurance at an average rate of $736 per year.
Car insurance rates can vary widely based on several factors, including your location, driving history, vehicle model year, and chosen coverage options. Maintaining a clean driving record can help lower your premiums, while accidents or traffic violations may increase costs.
Living in a high-traffic urban area often results in higher insurance rates compared to rural areas with less congestion. Additionally, your choice of coverage impacts your premium—full coverage, which includes both comprehensive and collision insurance, is typically more expensive than minimum liability coverage.
As shown in the table below, insuring a KIA Forte tends to be more expensive than the average for all KIA models but lower than the overall average for all cars. Insuranceopedia can help you compare quotes from multiple providers to find the best rate for your needs.
| Vehicle | Average Monthly Premium |
| KIA Forte | $190 |
| All KIAs | $173 |
| All Cars | $175 |
Average Insurance Cost Of KIA Forte By Model Year
| Model Year | Average Premium |
| 2024 KIA Forte | $996 |
| 2023 KIA Forte | $729 |
| 2022 KIA Forte | $402 |
| 2021 KIA Forte | $426 |
| 2020 KIA Forte | $478 |
| 2019 KIA Forte | $489 |
| 2018 KIA Forte | $549 |
| 2017 KIA Forte | $474 |
| 2016 KIA Forte | $526 |
| 2015 KIA Forte | $641 |
| 2014 KIA Forte | $640 |
| 2013 KIA Forte | $530 |
| 2012 KIA Forte | $524 |
| 2011 KIA Forte | $449 |
| 2010 KIA Forte | $284 |
2024 KIA Forte Insurance Rates
The average annual insurance cost for a 2024 KIA Forte is $996. However, Pekin Insurance offers the cheapest rates, averaging $736 per year.
| Insurance Provider | Average Annual Cost |
| Titan | $842 |
| Unitrin | $1,143 |
| Pekin Insurance | $736 |
| SECURA Insurance | $979 |
| North Carolina Farm Bureau | $1,035 |
| Capital Insurance Group | $1,136 |
| Utica National Ins Group | $1,004 |
| NatGen Value | $1,062 |
| Buckeye Insurance Group | $929 |
| New York Central Mutual Fire | $1,090 |
2023 KIA Forte Insurance Rates
The average annual insurance cost for a 2023 KIA Forte is $729. However, Safeco offers the cheapest rates, averaging $396 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $830 |
| Safeco | $396 |
| Victoria | $542 |
| Texas Farm Bureau Group | $986 |
| Dairyland Broadform | $451 |
| Pekin Insurance | $903 |
| Dairyland FR Bond | $742 |
| Buckeye Insurance Group | $811 |
| American National P | $868 |
| Titan | $765 |
2022 KIA Forte Insurance Rates
The average annual insurance cost for a 2022 KIA Forte is $402. However, Kemper Auto | Infinity offers the cheapest rates, averaging $74 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $561 |
| Kemper Auto | Infinity | $74 |
| Mercury Insurance | $836 |
| Kemper Personal Insurance | $126 |
| Kemper Auto | $375 |
| Dairyland FR Bond | $808 |
| Safeco | $206 |
| AssuranceAmerica Mobile Max | $420 |
| Kemper Auto Premier | $262 |
| Victoria | $353 |
2021 KIA Forte Insurance Rates
The average annual insurance cost for a 2021 KIA Forte is $426. However, Kemper Auto Premier offers the cheapest rates, averaging $63 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $306 |
| Safeco | $425 |
| Dairyland Broadform | $594 |
| Dairyland Auto 1 Month | $536 |
| AssuranceAmerica Mobile Max | $554 |
| Dairyland FR Bond | $266 |
| Kemper Premium | $292 |
| NatGen PPA | $681 |
| Victoria | $541 |
| Kemper Auto Premier | $63 |
2020 KIA Forte Insurance Rates
The average annual insurance cost for a 2020 KIA Forte is $478. However, Kemper Personal Insurance offers the cheapest rates, averaging $72 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $209 |
| Kemper Auto Premier | $195 |
| American National P | $911 |
| Kemper Personal Insurance | $72 |
| NatGen Custom 360 | $153 |
| Dairyland FR Bond | $399 |
| AssuranceAmerica Mobile Max | $732 |
| Farmers Mutual of Nebraska | $1,057 |
| Dairyland Broadform | $535 |
| NatGen PPA | $513 |
2019 KIA Forte Insurance Rates
The average annual insurance cost for a 2019 KIA Forte is $489. However, Kemper Auto Premier offers the cheapest rates, averaging $75 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto 1 Month | $672 |
| NatGen Custom 360 | $170 |
| Kemper Auto Premier | $75 |
| AssuranceAmerica Mobile Max | $191 |
| NatGen PPA | $798 |
| Mercury Insurance | $753 |
| Safeco | $247 |
| AssuranceAmerica | $749 |
| Kemper Personal Insurance | $770 |
| Dairyland FR Bond | $461 |
2018 KIA Forte Insurance Rates
The average annual insurance cost for a 2018 KIA Forte is $549. However, Kemper Personal Insurance offers the cheapest rates, averaging $125 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Economy | $1,017 |
| Kemper Auto Premier | $272 |
| Safeco | $214 |
| Dairyland Auto 1 Month | $236 |
| Kemper Personal Insurance | $125 |
| Dairyland Broadform | $426 |
| NatGen PPA | $712 |
| Mercury Insurance | $857 |
| Kemper Auto | Infinity | $1,098 |
| Dairyland FR Bond | $530 |
Find Affordable KIA Forte Insurance Rates
2017 KIA Forte Insurance Rates
The average annual insurance cost for a 2017 KIA Forte is $474. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $103 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $334 |
| AssuranceAmerica Mobile Max | $103 |
| AssuranceAmerica | $875 |
| MMG Insurance Company | $869 |
| Mercury Insurance | $858 |
| Dairyland Auto 1 Month | $672 |
| Kemper Auto Premier | $134 |
| Safeco | $175 |
| NatGen PPA | $570 |
| Kemper Personal Insurance | $148 |
2016 KIA Forte Insurance Rates
The average annual insurance cost for a 2016 KIA Forte is $526. However, Kemper Personal Insurance offers the cheapest rates, averaging $111 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $944 |
| Safety Group | $675 |
| Dairyland Auto 1 Month | $135 |
| Safeco | $219 |
| Dairyland Broadform | $521 |
| Utica National Ins Group | $956 |
| Kemper Personal Insurance | $111 |
| NatGen PPA | $907 |
| AssuranceAmerica Mobile Max | $230 |
| Kemper Premium | $563 |
2015 KIA Forte Insurance Rates
The average annual insurance cost for a 2015 KIA Forte is $641. However, Safeco offers the cheapest rates, averaging $92 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto 1 Month | $126 |
| Kemper Auto | Infinity | $1,079 |
| AssuranceAmerica Mobile Max | $624 |
| North Carolina Farm Bureau | $1,041 |
| PEMCO | $1,128 |
| Safeco | $92 |
| Kemper Auto Premier | $236 |
| Mercury Insurance | $511 |
| Farmers Mutual of Nebraska | $1,074 |
| Kemper Personal Insurance | $494 |
2014 KIA Forte Insurance Rates
The average annual insurance cost for a 2014 KIA Forte is $640. However, Safeco offers the cheapest rates, averaging $85 per year.
| Insurance Provider | Average Annual Cost |
| Infinity Special | $269 |
| NatGen Value | $1,109 |
| Southern Farm Bureau | $876 |
| AssuranceAmerica Mobile Max | $520 |
| American National P | $741 |
| PEMCO | $1,038 |
| Mercury Insurance | $489 |
| North Carolina Farm Bureau | $1,013 |
| NatGen PPA | $258 |
| Safeco | $85 |
2013 KIA Forte Insurance Rates
The average annual insurance cost for a 2013 KIA Forte is $530. However, Dairyland Auto 1 Month offers the cheapest rates, averaging $81 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland FR Bond | $267 |
| Dairyland Broadform | $650 |
| NatGen PPA | $460 |
| Kemper Personal Insurance | $246 |
| New Jersey Manufacturers | $945 |
| Safeco | $160 |
| National General Value | $975 |
| Dairyland Auto 1 Month | $81 |
| IMT Insurance Company | $1,015 |
| Clearcover | $500 |
2012 KIA Forte Insurance Rates
The average annual insurance cost for a 2012 KIA Forte is $524. However, Safeco offers the cheapest rates, averaging $105 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $297 |
| Infinity Special | $381 |
| Kemper Auto Premier | $525 |
| Dairyland Auto 1 Month | $355 |
| Utica National Ins Group | $762 |
| American National P | $628 |
| Clearcover | $839 |
| Mercury Insurance | $416 |
| North Carolina Farm Bureau | $927 |
| Safeco | $105 |
2011 KIA Forte Insurance Rates
The average annual insurance cost for a 2011 KIA Forte is $449. However, Safeco offers the cheapest rates, averaging $11 per year.
| Insurance Provider | Average Annual Cost |
| Clearcover | $842 |
| Concord Group | $735 |
| Dairyland Broadform | $79 |
| National General RAD | $664 |
| NatGen PPA | $270 |
| MMG Insurance Company | $729 |
| American National P | $610 |
| Safeco | $11 |
| Mercury Insurance Company | $416 |
| Mercury Insurance | $134 |
2010 KIA Forte Insurance Rates
The average annual insurance cost for a 2010 KIA Forte is $284. However, Kemper Personal Insurance offers the cheapest rates, averaging $284 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $129 |
| Infinity Special | $339 |
| Dairyland Broadform | $162 |
| Mercury Insurance Company | $512 |
| Mercury Insurance | $457 |
| NatGen Custom 360 | $135 |
| Kemper Auto Premier | $402 |
| AssuranceAmerica Mobile Max | $493 |
| Dairyland FR Bond | $126 |
| Kemper Personal Insurance | $84 |
Find Affordable KIA Forte Insurance Rates
Is A KIA Forte Expensive To Insure?
Insuring a KIA Forte typically costs more than the average for all cars. However, your actual insurance rate will depend on several factors, including your age, the vehicle’s model year, your location, and other personal details.
Cost of KIA Forte Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers usually face the highest premiums since they have a higher risk of accidents. However, as drivers gain experience and a safer track record, their rates tend to decrease over time.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,745 | $11,397 | $13,288 |
| 18 | $7,202 | $10,642 | $12,423 |
| 19 | $6,422 | $9,419 | $10,946 |
| 20 | $5,595 | $8,143 | $9,622 |
| 21 | $4,718 | $6,897 | $8,015 |
| 22 | $4,535 | $6,704 | $7,795 |
| 23 | $3,972 | $5,823 | $6,812 |
| 24 | $3,751 | $5,508 | $6,469 |
| 25 | $3,232 | $4,790 | $5,573 |
| 30 | $2,497 | $3,697 | $4,376 |
| 35 | $2,345 | $3,500 | $4,104 |
| 40 | $2,280 | $3,316 | $3,897 |
| 45 | $2,250 | $3,279 | $3,820 |
| 55 | $2,062 | $2,966 | $3,509 |
| 65 | $2,102 | $3,106 | $3,668 |
| 75 | $2,668 | $3,998 | $4,611 |
KIA Forte Car Insurance Rates By State
Your location is a major factor in how insurance companies determine rates. Each state has its own auto insurance regulations, which can impact costs—Michigan, for example, has higher premiums due to its strict coverage requirements. Climate also plays a role, as states prone to extreme weather events like hurricanes or floods may have higher rates.
Additionally, insurers consider local crime and accident statistics, including car thefts, crashes, and fatality rates, when calculating your KIA Forte insurance premium.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,474 | $3,561 | $4,534 |
| Alaska | $2,041 | $2,793 | $2,698 |
| Arizona | $2,274 | $3,313 | $4,832 |
| Arkansas | $2,513 | $3,915 | $4,310 |
| California | $2,799 | $4,894 | $2,805 |
| Colorado | $2,557 | $3,656 | $4,612 |
| Connecticut | $3,300 | $5,086 | $6,512 |
| Delaware | $2,718 | $3,646 | $4,665 |
| Florida | $3,242 | $4,530 | $5,915 |
| Georgia | $2,607 | $3,962 | $4,006 |
| Hawaii | $1,078 | $1,391 | $1,097 |
| Idaho | $1,858 | $2,450 | $2,927 |
| Illinois | $1,907 | $2,918 | $3,330 |
| Indiana | $1,982 | $2,983 | $3,400 |
| Iowa | $1,562 | $2,143 | $2,571 |
| Kansas | $2,051 | $3,005 | $3,521 |
| Kentucky | $2,990 | $4,384 | $5,237 |
| Louisiana | $3,902 | $5,807 | $6,302 |
| Maine | $1,431 | $2,024 | $2,981 |
| Maryland | $2,330 | $3,459 | $3,814 |
| Massachusetts | $1,902 | $3,277 | $1,893 |
| Michigan | $4,610 | $6,948 | $11,039 |
| Minnesota | $1,879 | $2,534 | $3,561 |
| Mississippi | $2,287 | $3,254 | $3,260 |
| Missouri | $2,105 | $3,035 | $4,008 |
| Montana | $2,186 | $3,024 | $3,547 |
| Nebraska | $1,862 | $2,715 | $3,004 |
| Nevada | $3,066 | $4,492 | $4,815 |
| New Hampshire | $2,155 | $3,339 | $4,216 |
| New Jersey | $2,313 | $3,675 | $4,769 |
| New Mexico | $2,336 | $3,524 | $3,676 |
| New York | $2,254 | $2,748 | $4,651 |
| North Carolina | $1,333 | $2,306 | $1,629 |
| North Dakota | $1,859 | $2,855 | $3,332 |
| Ohio | $1,680 | $2,582 | $2,621 |
| Oklahoma | $2,709 | $3,776 | $4,277 |
| Oregon | $2,438 | $3,236 | $3,924 |
| Pennsylvania | $2,064 | $2,987 | $3,551 |
| Rhode Island | $3,418 | $5,053 | $5,654 |
| South Carolina | $2,364 | $3,195 | $4,454 |
| South Dakota | $2,102 | $3,003 | $3,415 |
| Tennessee | $2,477 | $3,641 | $4,758 |
| Texas | $2,461 | $3,595 | $4,446 |
| Utah | $2,138 | $2,985 | $4,025 |
| Vermont | $1,655 | $2,448 | $2,628 |
| Virginia | $1,516 | $2,369 | $2,248 |
| Washington | $2,008 | $2,716 | $3,227 |
| West Virginia | $1,987 | $2,923 | $3,640 |
| Wisconsin | $2,008 | $3,191 | $3,639 |
| Wyoming | $1,914 | $2,623 | $2,782 |
Find Affordable KIA Forte Insurance Rates
Cheapest Car Insurance Companies For A KIA Forte
If you’re searching for the most affordable car insurance for your KIA Forte, knowing which providers offer the lowest rates can help. Ohio Mutual offers the cheapest coverage at an average of $23 per month. However, insurance rates vary based on individual factors like your driving history, location, and coverage needs. To find the best rate for your profile, it’s best to compare quotes from multiple providers.
| Company | Average Monthly Rate |
| Ohio Mutual | $23 |
| Commonwealth Casualty | $49 |
| CaliforniaCasualty | $38 |
| Verti | $50 |
| Hugo | $52 |
Common KIA Forte Insurance Discounts
Taking advantage of discounts is an effective way to reduce your car insurance costs. While each provider offers different savings opportunities, here are some common discounts you may qualify for:
- Multi-policy discount – Bundling your auto and home insurance with the same company can lead to a lower rate.
- Annual payment discount – Paying your premium in full instead of monthly can help you save money.
- Defensive driving discount – Completing a certified defensive driving course may make you eligible for a discount.
There may be additional discounts available based on your profile. To maximize your savings, consult your insurance agent to explore all the discounts you qualify for.
Ways To Save On KIA Forte Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your KIA Forte insurance costs. Traffic violations and accidents can lead to higher premiums—drivers with a speeding ticket typically pay around $104 per month, while those with multiple accidents see an average rate of $145 per month.
Driving fewer miles per year can also reduce your insurance costs. KIA Forte drivers who log between 5,001 and 7,500 miles annually pay about $88 per month, while those exceeding 10,000 miles pay around $91 per month. By maintaining a safe driving history and limiting mileage, you can keep your insurance rates more affordable.
Compare KIA Forte To Other KIA Models
Looking for other Kia model insurance costs?
Our Methodology
To estimate average car insurance costs, Insuranceopedia analyzed thousands of quotes from top providers. Their sample profile featured a 40-year-old male driver with full coverage, including $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, actual rates may vary based on individual factors.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A KIA Forte?
Yes, you must show proof of insurance before driving your KIA Forte off the dealership lot. The best approach is to purchase a policy in advance and inform your insurer about your upcoming car purchase, rather than relying on dealership-provided insurance.
How Can You Get The Cheapest Insurance For Your KIA Forte?
To find the lowest insurance rates for your KIA Forte, it’s best to compare quotes from multiple providers. Insuranceopedia makes this easy by allowing you to compare rates from different companies directly on their website.
