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Kia Forte Insurance Cost

The Kia Forte is a compact sedan with an average insurance cost of $1,350/yr. It carries a 5/5 NHTSA safety rating and high theft risk. See how costs break down by year below.

Quote My Forte

$1,350/yr

Avg. Annual Insurance

5/5 NHTSA

Safety Rating

High

Theft Risk

Compact Sedan

Body Type

About Kia Forte Insurance

The Kia Forte is a popular compact sedan that averages $1,350/yr in annual insurance premiums. This places it below the national average of approximately $1,770 per year.

With a 5/5 NHTSA safety rating, the Forte is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The high theft risk also contributes to higher comprehensive coverage premiums.

Insurance costs vary by model year — newer Fortes (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.

Frequently Asked Questions

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