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Kia Forte Car Insurance

Edited by Alyssa DiCrasto

Reviewed by Rob Deming

Last updated: January 25th, 2024

The average cost to insure a Kia Forte is $2,302 a year. However, the price you’ll pay for Kia Forte insurance will depend on the year and trim level of your specific Kia Forte. Other factors, like where you live, will also affect your rates.

What does it cost to insure my Kia Forte?

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Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Last updated: January 25th, 2024

Is it expensive to insure a Kia Forte?

Based on the average cost of car insurance, insuring a Kia Forte may be considered slightly more expensive than the overall average. However, it is important to note that newer model years can sometimes have higher insurance costs due to their higher value and higher cost of repairs and replacement parts. Additionally, the trim level of the vehicle can affect insurance rates, with higher trim levels often costing more to insure due to their increased value and features. The Forte LX, which is one trim level of the Kia Forte, offers features like electronic stability control, anti-lock brakes, and a rearview camera, which could potentially make the vehicle less expensive to insure due to its safety features.

Average Annual Premium by Trim Level for a Kia Forte

Kia Forte insurance cost by year

In 2023, the average cost of insurance for a Kia Forte is $2,302. Looking at the data, we can see that the insurance premiums vary depending on the model year of the car. The premiums for 2017 to 2018 models range from $1,879 to $1,931, while the premiums for 2014 to 2016 models range from $1,690 to $1,806. Overall, the data shows that the insurance premiums tend to increase slightly over the years, with higher premiums for newer models.

Average Annual Premium by Model Year for a Kia Forte

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of July 2023. 

Best car insurance companies for your Kia Forte

The table below shows an average of how much it costs to insure a 2023 base model Kia Forte at popular insurance companies for a single 35-year-old male with a clean driving record. The listed companies provide coverage in a large portion of the US, but might not be available near you.

Click here to see what it would cost to insure your Kia Forte at top providers near you >

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of July 2023. 

How expensive is it to insure a Kia Forte compared to other Compact Sedans?

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How can you save money on insurance for your Kia Forte? 

While the vehicle you drive plays a key role in the price you pay for insurance, other factors like where you live, your age, driving record, and more will also factor into the price of your premium. Because of this, the best way to save money on car insurance is to compare personalized rates from several insurance companies to find the cheapest premium for you. You should also see if you qualify for any discounts like a homeowner, multi-vehicle, or good driver discount.

Your Kia Forte may also be eligible for discounts at certain insurance companies depending on the safety ratings and features that come with your model year and trim level.

How much should I expect to pay to insure my Kia?

Personalized rate estimates at the top insurance companies in your state

Your rates will vary based on where you live, your age, and other factors like your driving record

Frequently asked questions

How much is insurance on a Kia Forte?

The average annual cost of car insurance for a 2023 Kia Forte with base trim is $2,302. However, the price you'll pay for car insurance will vary based on where you live, what coverage you want, and personal factors like your age and credit score.

Is Kia Forte expensive to insure?

Yes, the Kia Forte is relatively expensive to insure as it costs $179 more on average than the typical car.

How can I get cheaper car insurance?

One way you can try to get cheaper car insurance is simply to get quotes from multiple providers. This will help you determine what company has the cheapest rates for you based on your needs and driver profile. You can also check with your provider to see if there are any discounts you qualify for or can reasonably earn.


Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score. We adjusted this profile by vehicle make, model, trim, and year to determine the rates you see on this page.

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.