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
Insurance Cost by Year — Kia Forte
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
How much does Kia Forte insurance cost?
The average insurance cost for a Kia Forte is $1,350/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the Kia Forte expensive to insure?
Compared to the national average of about $1,770/yr, the Kia Forte at $1,350/yr is below average in insurance cost. As a compact sedan, it falls within the typical range for its class.
What is the Kia Forte's safety rating?
The Kia Forte has a 5/5 NHTSA safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the Kia Forte a theft target?
The Kia Forte has a high theft risk rating. Higher theft risk means comprehensive coverage will be more expensive. Consider anti-theft devices for potential discounts.
How can I get cheap Kia Forte insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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