How much is insurance on a Kia Forte?
A 2024 Kia Forte runs about $2,270 a year for a typical 45-year-old, $320 more than an average 2024 car, because of more at-fault claims and slightly pricier repairs.
2024 Kia Forte, national average
about $2,270 a year (about $190 a month)
roughly $1,650–$3,300
An average 2024 car: about $1,940. An older Kia Forte costs less (below).
Priced: the 2024 Forte (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used Kia Forte, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $2,270 | about $1,240 | +$1,500 | about $6,510 |
| 2022 (4–7 years old) | about $2,140 | about $1,240 | +$1,410 | about $6,150 |
| 2018 (8–12 years old) | about $2,010 | about $1,240 | +$1,330 | about $5,770 |
| 2013 (13 or more years old) | about $1,880 | about $1,240 | +$1,240 | about $5,390 |
We list the Kia Forte for 2010–2024. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.
The 2 versions of the 2024 Kia Forte we list (Forte and Forte FE) all come out within about $50 of each other.
The Kia Forte for other drivers on their own policy, a year: 22–25, $2,950; 26–39, $2,520; 65 and older, $2,380.
Adding a 16-year-old with a Kia Forte
A new 16-year-old driving the Kia Forte adds about $1,500 a year ($125 a month), $210 more than with an average 2024 car.
For adding a teen, the Kia Forte ranks 16th most expensive of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the Kia Forte costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- much higher than average
- Theft and weather
- higher than average
- Damage to others
- much higher than average
- Injuries to others
- much higher than average
The part that fixes or replaces the Kia Forte: about $1,030, against $950 for an average 2024 car (8% more). The part that pays for harm to others: about $1,240, against $990 for an average car (25% more).
By the EPA's size classes it's a midsize car, and it's gas-powered. The Highway Loss Data Institute groups it with small four-door cars.
- This car's repair claims run a bit above the cars we could check against real prices, so the range reaches higher.
Matched to “Kia Forte” in HLDI's results.
Similar small four-door cars
Among these 12 small four-door cars, the Kia Forte is the 2nd most expensive to insure.
- 2024 Honda Civicabout $2,150 ($120 less)
- 2024 Nissan Versaabout $2,200 (about the same)
- 2024 Hyundai Elantraabout $2,230 (about the same)
- 2024 Nissan Sentraabout $2,260 (about the same)
- 2024 Kia Forteabout $2,270 (this car)
- 2024 Acura Integraabout $2,300 (about the same)
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.