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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Updated: 17 February 2025
Written by Bob Phillips
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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

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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

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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

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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.

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.

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Quotes Analyzed

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Brands Reviewed

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Research Hours

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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.

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