The Kia Forte is a sporty and spacious compact car that debuted in the U.S. in 2008 to replace the Spectra. Though Kia discontinued the Forte after the 2024 model year, you can still spot these vehicles on the road today. No matter which type of Forte you drive, it needs to be protected with the right car insurance.
When it's time to find the best Kia Forte insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Kia Forte at a great rate. But first, here's a closer look at how much it costs to insure a Kia Forte by model year and top-rated insurance company in 2026.
Key Takeaways - Kia Forte Car Insurance
Kia Forte insurance costs an average of $2,032 per year, or approximately $169 per month, for full coverage in 2026.
Your age, location, credit, and driving history are all major factors that can influence the cost of Kia Forte insurance.
Kia Forte insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $34 monthly for minimum coverage, while those in Louisiana pay $188.
USAA, Progressive, and American Family are the cheapest carriers for model-year 2024 Kia Forte insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Kia Forte model.
What Is Kia Forte Insurance?
Kia Forte insurance is just a car insurance policy that includes customized coverage options for your specific vehicle. As a compact car, the Forte is unlikely to require additional coverage beyond that needed by standard sedans. Additionally, the Forte's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Kia Forte drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
Add-on coverage options worth considering for a Kia Forte:
- Kia warranty insurance: This can extend Kia's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Kia parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Kia vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
You're likely required to carry certain types of car insurance by law in your state. A local independent insurance agent can help you satisfy your state's requirements for Kia Forte car insurance.
How Much Does Kia Forte Insurance Cost?
The average cost of car insurance for a Kia Forte is $2,032 per year, or approximately $169 per month, for full coverage. However, several factors can influence the cost of Kia insurance, including:
- The specific type of Forte you drive
- Your claims history
- Vehicle safety features
- Annual mileage
- The types and amount of coverage you need
- Your credit score (where allowed)
- Your driving history
- Your location
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Kia Forte full coverage insurance or a basic Kia Forte liability insurance policy.
Is the Kia Forte Expensive to Insure?
No, the Kia Forte isn't expensive to insure on average. The average monthly cost of Kia Forte insurance is cheaper than that for other Kia vehicles and other sedans.
| Vehicle | Average Monthly Cost of Full Coverage |
| Kia Forte | $169 |
| All Kias | $173 |
| All Sedans | $203 |
Kia Forte Insurance Costs by Model Year
Next, we'll break down several model years of the Kia Forte and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 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 |
Cheapest Kia Forte Car Insurance Companies for 2026
You can find cheap, yet reliable, car insurance for your Kia Forte from many different carriers. These top-rated car insurance companies provide the cheapest model-year 2024 Kia Forte insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,687 |
| Progressive | $1,787 |
| American Family | $2,029 |
| Erie | $2,237 |
| Nationwide | $2,419 |
| Allstate | $5,075 |
Kia Forte Car Insurance Rates by State
Location is one of the biggest factors in car insurance premium calculations. Here are some average auto insurance rates for the Kia Forte by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $84 | $157 |
| Alaska | $68 | $143 |
| Arizona | $117 | $218 |
| Arkansas | $79 | $176 |
| California | $91 | $184 |
| Colorado | $94 | $224 |
| Connecticut | $135 | $232 |
| Delaware | $140 | $234 |
| Florida | $133 | $311 |
| Georgia | $144 | $239 |
| Hawaii | $50 | $112 |
| Idaho | $53 | $107 |
| Illinois | $90 | $168 |
| Indiana | $62 | $121 |
| Iowa | $54 | $130 |
| Kansas | $69 | $160 |
| Kentucky | $121 | $204 |
| Louisiana | $188 | $405 |
| Maine | $49 | $101 |
| Maryland | $154 | $259 |
| Massachusetts | $98 | $205 |
| Michigan | $152 | $290 |
| Minnesota | $79 | $163 |
| Mississippi | $82 | $162 |
| Missouri | $109 | $218 |
| Montana | $71 | $168 |
| Nebraska | $69 | $157 |
| Nevada | $179 | $325 |
| New Hampshire | $67 | $118 |
| New Jersey | $163 | $268 |
| New Mexico | $80 | $178 |
| New York | $122 | $218 |
| North Carolina | $77 | $151 |
| North Dakota | $55 | $120 |
| Ohio | $75 | $146 |
| Oklahoma | $90 | $199 |
| Oregon | $123 | $214 |
| Pennsylvania | $82 | $193 |
| Rhode Island | $116 | $206 |
| South Carolina | $98 | $183 |
| South Dakota | $51 | $154 |
| Tennessee | $76 | $153 |
| Texas | $122 | $250 |
| Utah | $103 | $174 |
| Vermont | $42 | $99 |
| Virginia | $91 | $149 |
| Washington | $91 | $168 |
| West Virginia | $82 | $167 |
| Wisconsin | $64 | $141 |
| Wyoming | $34 | $104 |
Average Kia Forte Insurance Rates by Driver Age and Profile
Other factors that can influence car insurance costs are your age, driving history, and credit. Teens and young drivers often pay the most, on average, for Kia Forte insurance. Car insurance rates often begin to drop dramatically around age 25.
However, once a driver reaches about age 65, car insurance costs begin to climb through their senior years. Here are some average insurance rates for the Kia Forte by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,202 | $10,642 | $12,423 |
| 20 | $5,595 | $8,143 | $9,622 |
| 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 |
Average Kia Forte Insurance Rates by Trim Level
Your Kia Forte's specific trim is another major factor that can influence auto insurance costs. Here are some average Kia Forte insurance rates by trim level for 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| FE Sedan 4D | $75 | $146 |
| LXS Sedan 4D | $83 | $161 |
| GT-Line Sedan 4D | $88 | $171 |
| S Sedan 4D | $88 | $171 |
| GT Sedan 4D | $91 | $176 |
| 5 SX Hatchback 4D | $92 | $179 |
| 5 LX Hatchback 4D | $93 | $180 |
| EX Sedan 4D | $94 | $181 |
| LX Sedan 4D | $96 | $186 |
| 5 EX Hatchback 4D | $100 | $193 |
| LX | $100 | $194 |
| LXS | $102 | $197 |
| Koup EX Coupe 2D | $104 | $200 |
| Koup SX Coupe 2D | $109 | $210 |
| SX Sedan 4D | $110 | $211 |
| GT-Line | $112 | $218 |
| EX Hatchback 4D | $114 | $219 |
| GT | $122 | $237 |
| SX Hatchback 4D | $131 | $252 |
Best Kia Forte Insurance Discounts: How to Lower Your Kia Forte Insurance Premiums
It can be easy to save even more money on your Kia Forte insurance premiums when you follow any of these steps:
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Kia Forte insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Ask about telematics programs: Your insurance company or Kia may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Kia Forte insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Kia Forte insurance from a trusted carrier near you.
Local independent insurance agents know where to find the best Kia Forte auto insurance discounts. They also know other strategies that can reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Kia Forte Insurance Quotes
When it's time to find the most affordable Kia Forte insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Kia Forte insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Kia Forte Insurance
How much does Kia Forte insurance cost per year?
The average annual cost of full coverage for a Kia Forte is $2,032 per year, or approximately $169 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Kia Forte insurance premiums?
If you've filed claims in the past, have any accidents or traffic violations on your record, drive an expensive trim level, or have poor credit, you're likely to be quoted higher Kia Forte insurance premiums.
Is the Kia Forte expensive to insure?
No, the Kia Forte isn't expensive to insure on average. The cost of a six-month full coverage policy is $1,016.
What are the best and cheapest carriers for Kia Forte insurance in 2026?
We found that USAA, Progressive, and American Family are the best and cheapest car insurance companies for model-year 2024 Kia Forte insurance this year.
Is insurance cheaper for the Forte than for other Kia vehicles?
Yes, the Kia Forte's average insurance rates are cheaper than those for other Kias. While the Forte's average full coverage rates are $169 per month, other Kia vehicles average $173 per month.
How can I get cheaper Kia Forte insurance?
Finding cheaper Kia Forte insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/kia-forte-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/kia/forte/
https://www.moneygeek.com/insurance/auto/kia-forte-insurance/