Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you looking for a new or used Kia Forte? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Kia Forte car insurance facts

  • Average full coverage auto insurance premium: $132/month

  • Most affordable companies: Tennessee Farmers ($86/month) & Erie Insurance ($89/month)

  • Forte car insurance cost vs. average rates: $21 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Kia Forte by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Below average Kia Forte insurer costs by state:

Risk factors affecting Kia Forte car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Kia Forte car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Kia models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Kia automobile brand

Kia Corporation is a South Korean multinational automaker specializing in affordable sport utility vehicles (SUVs) and exceptional reliability for the United States market. Kia is the second-largest auto manufacturer in South Korea after Hyundai. The target audience of Kia is young couples that are physically active with a high interest in new technology. All Kia automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Kia Forte, Kia Soul, Optima, and Kia Sorento are some of their most popular vehicles.

High Kia Forte repair costs equal high coverage rates

Many consumers are attracted to Kia’s high-tech innovations and features, increased value for the money, and driver-assist technologies, like Kia’s DriveWise safety features. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Kia is higher than average since repair parts are slightly more expensive. For this reason, many Kias are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Kia Forte affecting auto policies

Another factor to consider for Kia is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Kia models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Kia IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Kias are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Kia’s DriveWise technology innovations and safety, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Kia models. The Kia Forte, Stinger, Sportage, and Sorento are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Kia automobiles top safety ratings each year lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Kia automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Kia Forte

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1970
Acuity$1849
Allstate$1430
Auto-Owners$1078
Direct Auto$1836
Erie$1069
GEICO$1155
Kentucky Farm Bureau$1625
Liberty Mutual$1369
Nationwide$1310
Progressive$1574
Safe Auto$1459
State Farm$1213
Tennessee Farmers$1035
Texas Farm Bureau$1265
The Hanover$1780
Travelers$1279
USAA$1135

Compare all 2021 Kia Forte rates

Average Cost to Insure Per Year

$1577

List Price

$17890

Trims Available

LX - S - EX - Base Engine: 2.0-liter I-4 producing 147 hp with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2020 Kia Forte

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1833
Allstate$1427
Auto-Owners$1028
Erie$996
Farmers$1594
GEICO$1070
Liberty Mutual$1354
Mercury$1530
Nationwide$1260
Progressive$1560
State Farm$1160
Tennessee Farmers$986
Texas Farm Bureau$1179
The Hanover$1746
Travelers$1205
USAA$1045

Compare all 2020 Kia Forte rates

Average Cost to Insure Per Year

$1576

List Price

$17890

Trims Available

LX - S - EX - Base Engine: 2.0-liter I-4 producing 147 hp with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2019 Kia Forte

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1820
Allstate$1398
Auto-Owners$978
Erie$935
GEICO$1062
Kentucky Farm Bureau$1690
Liberty Mutual$1320
Mercury$1489
Nationwide$1254
Progressive$1567
State Farm$1098
Tennessee Farmers$911
Texas Farm Bureau$1153
The Hanover$1735
Travelers$1166
USAA$1035

Compare all 2019 Kia Forte rates

Average Cost to Insure Per Year

$1570

List Price

$17790

Trims Available

LX - S - EX - Base Engine: 2.0-liter I-4 producing 147 hp with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2018 Kia Forte

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1255
Acuity$ 1255
Allied$ 1211
Allied$ 1211
American Family$ 1304
American Family$ 1304
Arbella$ 1346
Arbella$ 1346
Country$ 1313
Country$ 1313
Erie$ 1084
Erie$ 1084
GEICO$ 1313
GEICO$ 1313
Plymouth Rock Insurance$ 1126
Plymouth Rock Insurance$ 1126
Progressive$ 1322
Progressive$ 1322
Tennessee Farmers$ 1066
Tennessee Farmers$ 1066
USAA$ 1052
USAA$ 1052
Vermont Mutual$ 1133
Vermont Mutual$ 1133

Compare all 2018 Kia Forte rates

Average Cost to Insure Per Year

$ 1541

List Price

$ 16800

Trims Available

LX - S - EX

2017 Kia Forte

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1272
Acuity$ 1272
Allied$ 1217
Allied$ 1217
American Family$ 1253
American Family$ 1253
Erie$ 998
Erie$ 998
GEICO$ 946
GEICO$ 946
Plymouth Rock Insurance$ 1103
Plymouth Rock Insurance$ 1103
Progressive$ 1140
Progressive$ 1140
State Farm$ 1145
State Farm$ 1145
Tennessee Farmers$ 1080
Tennessee Farmers$ 1080
Texas Farm Bureau$ 884
Texas Farm Bureau$ 884
USAA$ 910
USAA$ 910
Vermont Mutual$ 1134
Vermont Mutual$ 1134

Compare all 2017 Kia Forte rates

Average Cost to Insure Per Year

$ 1212

List Price

$ 16600

Trims Available

LX - S - EX

2016 Kia Forte

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1178
Acuity$ 1178
American Family$ 1189
American Family$ 1189
Amica$ 1363
Amica$ 1363
Arbella$ 1179
Arbella$ 1179
Country$ 1225
Country$ 1225
Erie$ 969
Erie$ 969
GEICO$ 1232
GEICO$ 1232
Plymouth Rock Insurance$ 1102
Plymouth Rock Insurance$ 1102
Tennessee Farmers$ 1044
Tennessee Farmers$ 1044
Texas Farm Bureau$ 878
Texas Farm Bureau$ 878
USAA$ 1014
USAA$ 1014
Vermont Mutual$ 1001
Vermont Mutual$ 1001

Compare all 2016 Kia Forte rates

Average Cost to Insure Per Year

$ 1258

List Price

$ 15990

Trims Available

LX - EX

2015 Kia Forte

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1134
Acuity$ 1134
Arbella$ 1184
Arbella$ 1184
Country$ 1182
Country$ 1182
Erie$ 882
Erie$ 882
GEICO$ 827
GEICO$ 827
Plymouth Rock Insurance$ 1073
Plymouth Rock Insurance$ 1073
Progressive$ 1167
Progressive$ 1167
State Farm$ 1115
State Farm$ 1115
Tennessee Farmers$ 991
Tennessee Farmers$ 991
Texas Farm Bureau$ 807
Texas Farm Bureau$ 807
USAA$ 902
USAA$ 902
Vermont Mutual$ 938
Vermont Mutual$ 938

Compare all 2015 Kia Forte rates

Average Cost to Insure Per Year

$ 1120

List Price

$ 15890

Trims Available

LX - EX

2014 Kia Forte

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1099
Acuity$ 1099
American Family$ 1077
American Family$ 1077
Arbella$ 1130
Arbella$ 1130
Erie$ 892
Erie$ 892
GEICO$ 781
GEICO$ 781
Plymouth Rock Insurance$ 1044
Plymouth Rock Insurance$ 1044
Progressive$ 1142
Progressive$ 1142
State Farm$ 1079
State Farm$ 1079
Tennessee Farmers$ 947
Tennessee Farmers$ 947
Texas Farm Bureau$ 755
Texas Farm Bureau$ 755
USAA$ 860
USAA$ 860
Vermont Mutual$ 861
Vermont Mutual$ 861

Compare all 2014 Kia Forte rates

Average Cost to Insure Per Year

$ 1071

List Price

$ 15900

Trims Available

LX - EX

2013 Kia Forte

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1097
Acuity$ 1097
American Family$ 1136
American Family$ 1136
Arbella$ 1098
Arbella$ 1098
Country$ 1178
Country$ 1178
Erie$ 895
Erie$ 895
GEICO$ 947
GEICO$ 947
Plymouth Rock Insurance$ 1010
Plymouth Rock Insurance$ 1010
State Farm$ 1150
State Farm$ 1150
Tennessee Farmers$ 959
Tennessee Farmers$ 959
Texas Farm Bureau$ 765
Texas Farm Bureau$ 765
USAA$ 867
USAA$ 867
Vermont Mutual$ 868
Vermont Mutual$ 868

Compare all 2013 Kia Forte rates

Average Cost to Insure Per Year

$ 1074

List Price

$ 15400

Trims Available

LX - EX - SX

2012 Kia Forte

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1033
Acuity$ 1033
American Family$ 1092
American Family$ 1092
Arbella$ 1083
Arbella$ 1083
Country$ 1139
Country$ 1139
Erie$ 868
Erie$ 868
GEICO$ 885
GEICO$ 885
Plymouth Rock Insurance$ 987
Plymouth Rock Insurance$ 987
State Farm$ 1073
State Farm$ 1073
Tennessee Farmers$ 921
Tennessee Farmers$ 921
Texas Farm Bureau$ 748
Texas Farm Bureau$ 748
USAA$ 833
USAA$ 833
Vermont Mutual$ 803
Vermont Mutual$ 803

Compare all 2012 Kia Forte rates

Average Cost to Insure Per Year

$ 1039

List Price

$ 15200

Trims Available

LX - EX - SX

2011 Kia Forte

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1111
Acuity$ 1111
American Family$ 1065
American Family$ 1065
Amica$ 1084
Amica$ 1084
Arbella$ 969
Arbella$ 969
Country$ 1077
Country$ 1077
Erie$ 851
Erie$ 851
GEICO$ 858
GEICO$ 858
Plymouth Rock Insurance$ 964
Plymouth Rock Insurance$ 964
Tennessee Farmers$ 894
Tennessee Farmers$ 894
Texas Farm Bureau$ 711
Texas Farm Bureau$ 711
USAA$ 844
USAA$ 844
Vermont Mutual$ 745
Vermont Mutual$ 745

Compare all 2011 Kia Forte rates

Average Cost to Insure Per Year

$ 1035

List Price

$ 14995

Trims Available

LX - EX - SX