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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Kia Forte drivers pay an average of $122 per month for basic liability insurance and $224 per month for full-coverage car insurance, according to Compare.com data. Forte insurance costs more than the national average, largely due to high theft rates, especially among 2011–2021 models without engine immobilizers.[1] Novo offers the cheapest Forte insurance, at $82 per month.
Despite its higher-than-average rates, the Forte — known as the K4 as of 2025 — is a popular Kia model. The car has excellent fuel economy, advanced tech, and a roomy, affordable design. We analyzed insurance data to help you find the cheapest insurers and ways to save on your auto coverage.
The average cost of Kia Forte car insurance is $173 per month, $23 more than the national average for all vehicles.
HiRoad, Travelers, and Clearcover are some of the cheapest car insurance companies for the Kia Forte.
Protecting your Forte with anti-theft and theft recovery devices could lower your car insurance premiums.
Averages primarily depend on the type of auto insurance policy you choose. Liability-only insurance offers the state-minimum coverage you need to drive legally, but it doesn’t cover damage to your Forte. Full-coverage policies include liability coverage plus comprehensive and collision coverage to pay for damage to your Forte, no matter who’s at fault.
The table below shows average auto insurance rates for both liability-only and full-coverage policies for the Kia Forte, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Kia Forte | $122 | $224 | $173 |
| All vehicles | $108 | $198 | $150 |
Forte rates can vary widely depending on different factors, which we break down in the following sections.
Regardless of the average rates, you can still find ways to save on car insurance for your Kia Forte.
The companies featured in the table below have the most competitive rates for the Forte, according to Compare.com data.
Novo offers the cheapest car insurance for the Kia Forte, averaging $82 per month. But while these insurance companies have the lowest average rates, they may not be the most affordable for all Forte owners.
The best way to find the lowest rate for your situation is to compare car insurance quotes from multiple insurers. You can use a car insurance comparison site to check rates based on your customer profile, driving habits, and coverage needs.
We’ve highlighted a few companies below to help you start your comparisons.
No single company is the best insurer for all Kia Forte drivers. The best company depends on the factors most important to you, like affordability, coverage options, or digital tools. We chose the following companies based on a combination of average Forte rates, available coverages, discounts, and customer ratings.
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 641 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $94/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $175/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide earned the top spot for customer satisfaction for its usage-based insurance in the 2025 J.D. Power U.S. Auto Insurance Study.[2] The insurer offers two telematics programs to help you save money. SmartRide tracks your driving habits, and safe driving can reduce your rate. SmartMiles is great for low-mileage drivers.
You can also customize your policy with accident forgiveness, total loss deductible waiver, gap insurance, and vanishing deductible.
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 3.9 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $172/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $230/mo |
Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.
Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.
Liberty Mutual offers many options to tailor your full-coverage policy to your needs. You can choose from coverages like gap insurance, OEM parts coverage, rental reimbursement, and 24/7 roadside assistance. If you have a newer Forte, consider better or new car replacement coverage.
That said, some customers say they’ve had a hard time navigating the claims process. Liberty Mutual also has an above-average number of customer complaints with the NAIC.[4]
Competitive Forte rates
Above-average claims satisfaction rating
Many coverage options available
Customers report frustrating claims process
Higher-than-average number of complaints with the National Association of Insurance Commissioners (NAIC)
No dedicated agents
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
American Family has a generous list of discounts to help Forte drivers save money. You can get discounts for bundling your home and auto insurance, low mileage, switching from a competitor, multi-car, auto pay, going paperless, and more.
But American Family isn’t available in every state. The insurer also has limited digital tools to manage your policy and file claims.
Affordable Forte rates
Many discounts available
Local agents available for personalized service
Available in only 19 states
Fewer digital tools than some competitors
Below-average usage-based insurance rating
Compare rates from leading insurers and save money today.
Your Forte’s age can affect your insurance rates. In general, newer models are more expensive than older ones to insure. The more your Forte is worth, the more coverage will cost.
Check out the table below for monthly average premiums by Forte model year and which insurance companies are the cheapest, according to Compare.com data.
Forte Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2024 | $199 | HiRoad | $96 |
| 2023 | $198 | HiRoad | $111 |
| 2022 | $184 | Certainly | $100 |
| 2021 | $183 | Travelers | $102 |
| 2020 | $173 | Certainly | $75 |
| 2019 | $174 | Apparent | $87 |
| 2018 | $175 | Certainly | $96 |
| 2017 | $168 | Certainly | $68 |
| 2016 | $153 | Certainly | $73 |
| 2015 | $150 | Mile Auto | $70 |
| 2014 | $154 | Clearcover | $80 |
| 2013 | $146 | Clearcover | $96 |
| 2012 | $143 | Mile Auto | $67 |
Your location also determines how much you pay for Kia Forte car insurance.
Where you live can have a big influence on your car insurance costs. Even your ZIP code can make a difference. Factors like weather, traffic density, vehicle repair costs, and insurance laws can cause your local rates to differ from the national average.[5]
The map below breaks down Kia Forte insurance rates by state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $102 |
| Arizona | $136 |
| Arkansas | $196 |
| California | $197 |
| Colorado | $160 |
| Connecticut | $311 |
| Delaware | $189 |
| Florida | $200 |
| Georgia | $203 |
| Idaho | $103 |
| Illinois | $127 |
| Indiana | $110 |
| Iowa | $93 |
| Kansas | $125 |
| Kentucky | $200 |
| Louisiana | $184 |
| Maine | $121 |
| Maryland | $281 |
| Massachusetts | $154 |
| Michigan | $239 |
| Minnesota | $154 |
| Mississippi | $154 |
| Missouri | $150 |
| Montana | $124 |
| Nebraska | $144 |
| Nevada | $243 |
| New Hampshire | $94 |
| New Jersey | $162 |
| New Mexico | $118 |
| New York | $393 |
| North Carolina | $76 |
| North Dakota | $118 |
| Ohio | $104 |
| Oklahoma | $132 |
| Oregon | $131 |
| Pennsylvania | $133 |
| Rhode Island | $117 |
| South Carolina | $224 |
| South Dakota | $99 |
| Tennessee | $115 |
| Texas | $181 |
| Utah | $149 |
| Vermont | $111 |
| Virginia | $148 |
| Washington | $114 |
| District of Columbia | $232 |
| West Virginia | $118 |
| Wisconsin | $104 |
| Wyoming | $99 |
But location isn’t the only factor that can have a significant effect on your insurance premiums. Let’s take a look at how Forte rates change across age groups.
Age is a major factor in how much you’ll pay for car insurance. Younger drivers, especially teens, tend to pay the most for coverage because they have less experience and cause more accidents. In fact, teens have the highest crash rate of any age group, and are three times as likely to die in an accident as drivers aged 20 or older.[6]
Check out the table below for average monthly Forte rates by age group, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $326 |
| Adults | $158 |
| Seniors | $133 |
Teens pay more than twice as much as other adults for Forte insurance. While adults average $158 per month for car insurance, teens pay around $326 per month. Seniors enjoy the cheapest average premiums, at $133 per month.
Your driving record and claims history tell insurers about your driving habits. The more risks you take, the more likely you are to get a ticket or cause an accident, which usually means higher insurance costs.
Here’s how average Kia Forte insurance rates change based on your driving record, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $173 |
| Speeding ticket | $240 |
| At-fault accident | $251 |
| DUI | $285 |
Forte drivers with clean records pay an average of $173 per month. But rates jump by over $110 after a driving under the influence (DUI) conviction, averaging $285 per month. Even a single speeding ticket can raise your insurance premium to $240 per month.
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Certain features of your Kia Forte can determine how much you pay for car insurance. Insurers consider things that affect safety, repair costs, and theft risk when calculating your premium.
Safety features like forward collision-avoidance assist, lane-keeping and following technology, and automatic emergency braking technology — standard even on the base model K4 — can qualify you for a discount and cheaper rates.
While the smart key with push-button start is convenient, it can lead to higher theft rates in some models and could raise your premium.
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Here are a few tips to help you get cheaper car insurance for your Kia Forte:
Raise your deductible. Raising your car insurance deductible will lower your premium. Just make sure you can pay if you file a claim, because you’ll have to pay more out of pocket.
Improve your credit. Most states allow insurers to use your credit history when determining rates. Boosting your score could help you get cheaper coverage.
Maintain a clean driving record. The longer you go without a ticket or accident, the more you can save on Forte car insurance.
Evaluate your coverage needs. If you have an older Kia, consider its depreciated value when determining coverage limits. You may not need full coverage if you can afford to fix or replace it.
Shop around often. Comparing quotes when it’s time to renew your policy ensures you get the coverage you need at the lowest price.
Find the coverage you need for your Kia Forte at the best price.
Below, we answered some common questions from drivers about Kia Forte car insurance.
Yes. The Kia Forte costs more to insure than the average vehicle. Forte insurance costs an average of $173 per month, compared to the national average for all vehicles of $150 per month, according to Compare.com data.
Novo is the cheapest insurance company for a Kia Forte, with rates averaging $82 per month, according to Compare.com data. But your rates can vary depending on personal factors like your age, location, and coverage choices.
The 2024 Kia Forte costs an average of $199 per month to insure, according to Compare.com data. HiRoad offers the cheapest rate for the 2024 Forte, at $96 per month. Your rate will depend on factors like your age, address, driving record, and coverage needs.
The Soul is the cheapest Kia model to insure. Soul drivers pay an average of $135 per month for car insurance, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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