Is a Kia Forte expensive to insure?

Kia Forte car insurance costs are close to the national average. A full coverage car insurance policy for a Kia Forte costs an average of $237 per month, which is 6 percent more than the national average.

How can I save money on Kia Forte insurance?

Working with a licensed insurance agent can help you balance your coverage needs with your budget. But, in a pinch, you can always choose a higher deductible in exchange for a cheaper premium, bearing in mind that this will result in higher out-of-pocket costs when you file a claim.

Why is Kia car insurance so high?

Some Kias have a defect that allows someone to steal them with nothing more than a USB drive. Stealing Kias became a viral social media trend, leading to more expensive claims for these models. Because of this, some insurance companies stopped writing insurance policies for Kias altogether.

Car Insurance for Kia Forte

How much does it cost to insure a Kia Forte?

Kia Forte car insurance is usually inexpensive. But, depending on the model year of your Forte, you may have a hard time finding an insurer to write you a policy. The 2015 to 2021 Fortes are common targets for vehicle theft, a credit to TikTok's “Kia challenge.”

Bankrate found that, on average, Kia Forte car insurance costs $237 for full coverage per month. This is 6 percent more than the national average cost of car insurance, which is $223 a month. Minimum coverage for the Kia Forte costs $73 per month, or 9 percent more than the national average. Car insurance rates will change depending on a vehicle's repair costs, safety features and crash ratings. Models that are safer to drive and cheaper to fix will usually cost less to insure.

$2,841 Avg annual full coverage
insurance premium

$879 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): $19,726

Trims available: LX, LXS, GT-Line, GT, GT-Manual

Repair costs

Data from RepairPal found that, on average, Kia Fortes are cheaper to fix than other compact sedans. But, as the model is no longer in production, the price of repair parts could increase.

Safety features

Forward collision avoidance, blind spot collision avoidance, lane-keeping assistance and other safety features come standard with the Forte. Adaptive cruise control is also available for the higher-trim models.

Crash ratings

The Forte received mixed ratings from the Insurance Institute for Highway Safety (IIHS). In the crashworthiness category, the 2024 Kia Forte earned two “good” ratings and two “poor” ratings.

Cheapest car insurance companies for a Kia Forte

Getting the best deal on car insurance often involves shopping around — and this is especially the case for Kia Forte owners. If you're in the market for a used Kia Forte, consider looking up a sample vehicle identification number and collecting insurance quotes before you buy your car. That way, you can weed out which companies won't write a policy for a Forte.

How much does it cost to insure a Kia Forte?

Bankrate rounded up average rates from some of the cheapest Kia Forte car insurance companies to help get the comparison process started.

2023 Kia Forte car insurance premium by carrier


USAA	$1,880	- $961
Auto-Owners	$2,055	- $786
Geico	$2,119	- $722
Nationwide	$2,561	- $280
Travelers	$2,824	- $17

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Kia Forte

Unless you're in New Hampshire, you'll need a car insurance policy to register your vehicle. Your policy must, at minimum, meet your state's insurance requirements. If you took out a loan to buy your Forte, your financial lender may require you to carry more coverage than what your state mandates.

Even if there's no other party who gets a say in your car insurance coverage, you might consider these add-ons for broader financial protection:

Comprehensive insurance: If your car is stolen, vandalized or damaged by weather or if you hit an animal, you can file a claim to help pay for repairs if you carry comprehensive coverage.
Collision insurance: This helps pay for your vehicle's repairs, even when you cause an accident.
Gap insurance: Guaranteed asset protection, or “gap” insurance, can help cover the difference between your loan balance and the money you get from your insurance company if your car is rendered a total loss.

Learn more: How much car insurance do I need?

How to get a Kia Forte car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Kia Forte with other similar cars

Kia Soul Avg annual full coverage premium $2,841 Read More	Honda Civic Sedan Avg annual full coverage premium $2,656 Read More	Toyota Corolla Avg annual full coverage premium $2,390 Read More
Price (MSRP)
$19,726	$27,450	$22,325
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
4 stars	5 stars	5 stars
Gas mileage
34 mpg	36 mpg	35 mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Worse than average	Worse than average	Average

Frequently asked questions

Kia Forte car insurance costs are close to the national average. A full coverage car insurance policy for a Kia Forte costs an average of $237 per month, which is 6 percent more than the national average.
Working with a licensed insurance agent can help you balance your coverage needs with your budget. But, in a pinch, you can always choose a higher deductible in exchange for a cheaper premium, bearing in mind that this will result in higher out-of-pocket costs when you file a claim.
Some Kias have a defect that allows someone to steal them with nothing more than a USB drive. Stealing Kias became a viral social media trend, leading to more expensive claims for these models. Because of this, some insurance companies stopped writing insurance policies for Kias altogether.

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.