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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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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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The average cost to insure a Kia Forte is the same as the national average for all vehicles, at $166 per month.
The cheapest car insurance company for a Kia Forte is USAA, at $86 per month.
Affordable repairs and safety technology help keep Forte insurance rates in line with the national average.
Insurance rates 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 Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Kia Forte | $123 | $208 | $166 |
| All vehicles | $116 | $216 | $166 |
Forte rates can vary widely depending on multiple 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.
Company | Average Monthly Premium |
|---|---|
| USAA | $86 |
| State Farm | $95 |
| Allstate | $121 |
| American Family | $129 |
| GEICO | $133 |
| CSAA | $145 |
| Nationwide | $156 |
| Progressive | $160 |
| Travelers | $163 |
| Farmers | $185 |
| User Reviews | 4.3 |
|---|---|
| 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 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
If you’re in the military, you can save money by insuring your Kia Forte with USAA, which has the industry’s lowest average rates. Along with cheap rates, USAA also has an A++ (Superior) financial strength rating from AM Best. While it has poor reviews on Trustpilot, it receives consistently high ratings from J.D. Power for customer satisfaction.
| User Reviews | 3.9 |
|---|---|
| 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. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
You can insure your Kia Forte with State Farm at an affordable rate and save even more with the company’s many car insurance discounts. State Farm has a superior financial strength rating and ranks above average in all regions for customer satisfaction. Although it doesn’t have as many optional add-ons as some insurers, claims service is available 24/7.
| User Reviews | 3.5 |
|---|---|
| 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 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
While Allstate has higher Forte rates than some of its top competitors, it remains a good option. Its mobile app gives you instant access to your agent, and available accident forgiveness means your rates won’t increase if you have an accident.
Allstate doesn’t offer many discounts, but its telematics program can help you save money. That said, the company has poor Trustpilot reviews.
Highly rated mobile app
Superior financial strength rating
Available accident forgiveness
Higher average rates
Poor Trustpilot rating
Below-average claims satisfaction
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 to insure than older ones. The more your Forte is worth, the more coverage will cost.
Check out the table below for average monthly premiums by Forte model year, according to Compare.com data.
Forte Model Year | Average Monthly Premium |
|---|---|
| 2024 | $201 |
| 2023 | $200 |
| 2022 | $200 |
| 2021 | $193 |
| 2020 | $184 |
| 2019 | $181 |
| 2018 | $174 |
| 2017 | $171 |
| 2016 | $166 |
| 2015 | $162 |
| 2014 | $160 |
| 2013 | $152 |
| 2012 | $147 |
| 2011 | $144 |
| 2010 | $141 |
Company | Average Monthly Premium |
|---|---|
| USAA | $104 |
| State Farm | $115 |
| Allstate | $146 |
| American Family | $156 |
| GEICO | $161 |
Company | Average Monthly Premium |
|---|---|
| USAA | $104 |
| State Farm | $114 |
| Allstate | $146 |
| American Family | $155 |
| GEICO | $160 |
Company | Average Monthly Premium |
|---|---|
| USAA | $104 |
| State Farm | $114 |
| Allstate | $146 |
| American Family | $155 |
| GEICO | $160 |
Company | Average Monthly Premium |
|---|---|
| USAA | $100 |
| State Farm | $111 |
| Allstate | $141 |
| American Family | $150 |
| GEICO | $155 |
Company | Average Monthly Premium |
|---|---|
| USAA | $95 |
| State Farm | $105 |
| Allstate | $134 |
| American Family | $143 |
| GEICO | $148 |
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $103 |
| Allstate | $132 |
| American Family | $140 |
| GEICO | $145 |
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| State Farm | $100 |
| Allstate | $127 |
| American Family | $135 |
| GEICO | $139 |
Company | Average Monthly Premium |
|---|---|
| USAA | $89 |
| State Farm | $98 |
| Allstate | $125 |
| American Family | $133 |
| GEICO | $137 |
Company | Average Monthly Premium |
|---|---|
| USAA | $86 |
| State Farm | $95 |
| Allstate | $121 |
| American Family | $129 |
| GEICO | $133 |
Company | Average Monthly Premium |
|---|---|
| USAA | $84 |
| State Farm | $93 |
| Allstate | $118 |
| American Family | $126 |
| GEICO | $130 |
Find the coverage you need for your Kia Forte at the best price.
Where you live can have a major influence on your Kia Forte 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.[6]
The map below breaks down Kia Forte insurance rates by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $137 |
| Arizona | $146 |
| Arkansas | $158 |
| California | $178 |
| Colorado | $178 |
| Connecticut | $247 |
| Delaware | $207 |
| Florida | $193 |
| Georgia | $221 |
| Hawaii | $110 |
| Idaho | $91 |
| Illinois | $138 |
| Indiana | $113 |
| Iowa | $93 |
| Kansas | $129 |
| Kentucky | $172 |
| Louisiana | $186 |
| Maine | $121 |
| Maryland | $263 |
| Massachusetts | $131 |
| Michigan | $200 |
| Minnesota | $151 |
| Mississippi | $131 |
| Missouri | $158 |
| Montana | $130 |
| Nebraska | $125 |
| Nevada | $220 |
| New Hampshire | $76 |
| New Jersey | $234 |
| New Mexico | $126 |
| New York | $191 |
| North Carolina | $77 |
| North Dakota | $101 |
| Ohio | $107 |
| Oklahoma | $149 |
| Oregon | $132 |
| Pennsylvania | $140 |
| Rhode Island | $191 |
| South Carolina | $212 |
| South Dakota | $120 |
| Tennessee | $124 |
| Texas | $190 |
| Utah | $130 |
| Vermont | $124 |
| Virginia | $155 |
| Washington | $147 |
| Washington D.C. | $273 |
| West Virginia | $128 |
| Wisconsin | $105 |
| Wyoming | $98 |
But location isn’t the only factor that can have a significant effect on your car 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 insurance 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.[7]
Check out the table below for average monthly Forte rates by age group, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $319 |
| Adults | $166 |
| Seniors | $143 |
Kia Forte insurance is generally more expensive for teens and drivers younger than 25, since they have a much higher crash risk. Studies show young drivers are less likely to wear a seat belt and more likely to drink and drive. In 2020, nearly 29% of fatally injured drivers ages 15 to 20 had been drinking, and 62% weren’t wearing a seat belt.[8]
Comparing quotes from multiple companies can help you find the best rate for a young driver. The chart below shows the cheapest options for young Forte drivers, according to Compare.com data.
Seniors often limit driving and are more cautious behind the wheel.[9] Because seniors also tend to file fewer claims, Kia Forte insurance rates are often lower for this age group. Some insurers also offer defensive driving discounts and low-mileage discounts to help seniors save even more.
Below is a snapshot of the lowest monthly premiums available for senior Kia Forte drivers, according to Compare.com data.
Your driving record has a significant effect on your Kia Forte insurance rates. Insurers charge more when a driver is statistically more likely to file a claim. A single speeding ticket can raise your insurance premiums for three to five years, and a DUI can stay on your record even longer.[10]
The table below shows how different violations affect average monthly rates for Forte drivers, based on Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $166 |
| Speeding ticket | $222 |
| At-fault accident | $237 |
| DUI | $279 |
Not all speeding tickets hit your wallet the same way. Minor tickets — like going 10 mph or less over the limit — may barely affect your insurance if your record is otherwise clean, depending on where you live. But more serious violations, repeated offenses, or school-zone speeding will usually drive rates up higher.
Because insurers weigh infraction severity differently, comparing companies can help you keep your costs down after a ticket. Check out the chart below for the cheapest Forte insurers for drivers with a recent speeding ticket, according to Compare.com data.
Causing an accident typically means higher insurance rates because insurers view you as more likely to file future claims. That said, some companies give less weight to accidents and claims than others, so comparing quotes after an at-fault accident can help control insurance costs.
Take a look at the chart below to see which insurers offer the cheapest average rates for Kia Forte drivers with a recent at-fault accident, according to Compare.com data.
Insurance companies treat a DUI as the highest-risk infraction because drivers with alcohol in their system are at least four times more likely to get into an accident than sober drivers.[11] Premiums often jump significantly, though increases vary widely by insurer. Comparing rates after a DUI can help keep rate increases in check.
The chart below highlights the cheapest insurers for Kia Forte drivers with a DUI on their record, according to Compare.com data.
The following factors affect Kia Forte car insurance rates:
Car value: The 2024 Kia Forte has a starting MSRP of $21,145. Vehicles with lower values typically cost less to insure than more expensive models.
Repair costs: Repairs on the Forte are generally affordable, which helps keep insurance claims — and your premiums — lower.
Trim levels: All trims come with standard driver-assist technology like lane-departure warning and lane-keeping assist. The LXS trim and above include advanced safety features, such as blind-spot monitoring and rear cross-traffic alert. These extras can help you qualify for a safety features discount.
Safety ratings: With its 4-star safety rating from the National Highway Traffic Safety Administration (NHTSA), the Kia Forte typically has lower insurance costs than models with lower safety ratings.
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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 afford to pay more out of pocket if you need to file a claim.
Improve your credit. Most states allow insurers to use your credit history when determining rates. Boosting your credit 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 your 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 from several insurers when it’s time to renew your policy ensures you get the coverage you need at the lowest price.
Below, we answered some common questions drivers have about Kia Forte car insurance.
No. The cost to insure a Kia Forte is in line with the national average. Forte insurance costs an average of $166 per month, the same as the national average for all vehicles, according to Compare.com data.
USAA is the cheapest insurance company for a Kia Forte, with rates averaging $86 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 $201 per month to insure, according to Compare.com data. USAA offers the cheapest rate for the 2024 Forte, at $104 per month. Your rate will depend on factors like your address, driving history, and deductibles.
The Soul is the cheapest Kia model to insure. Soul drivers pay an average of $131 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.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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