How much is insurance on a Kia Forte?

Priced for the 2024 Forte, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Forte's rank is the same in every state.

Why the Kia Forte costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Kia Forte, on HLDI's scale where 100 is an average car and lower is better, it reports 128 for crash repairs, 108 for non-crash damage, 141 for damage to others' property, and 188 for injury claims.

• Crash repairs (collision)fixing this car after a crashWorse than average28% worse than average10th best of the 12 small four-door cars we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage8% worse than average10th best of the 12 small four-door cars we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultWorse than average41% worse than averageworst of the 12 small four-door cars we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costSubstantially worse than averagefiled 88% more often than average10th best of the 11 small four-door cars we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Forte comes out about 22% worse than average. We count about a third of that difference, so the part of the bill that fixes the car is about 8% more than average: about $1,030 a year vs $950. On the liability side, damage to others and injury claims combine to about 68% worse than average. Counting about half would go past the band insurers' own car ratings stay inside, so we hold that part at 25% more than average: $1,240 a year vs $990.

How the math works

In EPA size classes, the Forte is a midsize car (gas-powered). In Highway Loss Data Institute loss tables, the Kia Forte is benchmarked against small four-door cars.

• This car's repair losses run a bit above the cars we could check against real prices, so the range reaches higher.

Matched to HLDI series “Kia Forte” (HLDI, 2022–24 models).

A used Kia Forte, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Forte (0–3 years old)	about $2,270	about $1,240	+$1,500	about $6,510
2022 Forte (4–7 years old)	about $2,140	about $1,240	+$1,410	about $6,150
2018 Forte (8–12 years old)	about $1,910	about $1,150	+$1,260	about $5,480
2013 Forte (13 or more years old)	about $1,740	about $1,130	+$1,150	about $4,990

Our catalog covers the Kia Forte across model years 2010–2024. Full coverage on a used 2013 Forte (13 or more years old) runs about $1,740 a year, $530 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,130 a year. Each photo shows that year's generation of the car. Photo credits.

All 2 versions of the 2024 Kia Forte in our catalog (Forte and Forte FE) price within about $50 a year of each other.

On a policy of their own with a 2024 Kia Forte, a 22–25-year-old pays about $2,950 a year ($680 more than a 45-year-old), a 26–39-year-old about $2,520, and a driver 65 and older about $2,380.

Adding a 16-year-old with a Kia Forte

A new driver costs more with any car, and more than usual with the Kia Forte: adding a 16-year-old raises the family bill by about $1,500 a year ($125 a month), $210 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $6,510 a year ($5,010 more than adding them to the family policy).

For adding a teen driver, the Kia Forte ranks 16th most expensive out of all 121 models we track. Stepping down to a used 2013 Forte (13 or more years old) brings the teen add-on to about $1,150 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small four-door cars

Among these 12 small four-door cars, the Kia Forte is the 2nd most expensive to insure. Right next to it are the Nissan Sentra (about $2,260 a year) and the Acura Integra (about $2,300).

• 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)

Photos from Wikimedia Commons contributors. Photo credits.

What a Kia Forte costs in your state

In six sample states, a 2024 Kia Forte runs from about $1,510 a year in Vermont through Kentucky, Alabama, California and New Jersey to about $2,990 in New York:

• Vermontabout $1,510/yr · +$1,000 teen
• Kentuckyabout $1,900/yr · +$1,260 teen
• Alabamaabout $2,000/yr · +$1,320 teen
• Californiaabout $2,230/yr · +$1,470 teen
• New Jerseyabout $2,670/yr · +$1,760 teen
• New Yorkabout $2,990/yr · +$1,970 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

Does this look wrong for this car? Tell us