Although its engine isn’t especially powerful, the four-door Kia Forte sedan offers an affordable $21,990 base price and a spacious interior.1 The average cost of car insurance for a Kia Forte is $168 per month. On average, drivers pay $219 per month for full coverage and $117 for a liability-only policy.
Kia rebranded the Forte as the K4 in 2025.2 For many drivers, the Forte strikes a good balance between affordability and style. But compared to other Kias, insuring a Forte or K4 is slightly more expensive.
Here’s what you should know as you compare insurance rates for your Kia, whether it’s new or several years old.
Several factors determine your car insurance costs, including your driving record, age and gender, and the types of coverage you choose.3 Your vehicle’s age, safety features, and trim level also affect your insurance rate, with higher trim levels typically leading to higher insurance costs.
The table below shows the average monthly insurance costs for 10 model years.
The 2025 Kia K4, a rebrand of the Kia Forte, has a manufacturer’s suggested retail price (MSRP) ranging from $21,990 for the base model to $28,090 for the turbo model. Insurance costs $268 per month on average for full coverage and $143 for liability-only coverage.
Average monthly quotes for the 2025 K4 aren’t included due to insufficient data.
The 2024 Kia Forte had a starting MSRP of $21,145 and costs an average of $250 per month for full coverage and $133 for liability-only insurance.
The data shown in the table below highlights average insurance costs from several of the cheapest insurers for the 2024 Forte.
The 2023 Kia Forte’s original starting MSRP was $20,185. Full coverage costs an average of $245 per month, and liability-only insurance costs an average of $130.
The following table shows average insurance prices from several insurers.
The 2022 Kia Forte’s base MSRP was $20,185. Full-coverage insurance costs an average of $221 per month, and liability-only coverage costs $118.
Average costs for this model year are shown below.
The 2021 Kia Forte had a starting MSRP of $19,785 for the base model. Insuring it costs an average of $235 per month for full coverage and $125 for liability-only coverage.
The following table shows average quotes by company for the 2021 Forte.
The 2020 Kia Forte’s base MSRP was $19,755. Full coverage costs an average of $224 per month, and liability-only coverage averages $119.
The data in the table below shows average insurance costs by company.
When the 2019 Kia Forte was released, its starting MSRP was $19,615. Insuring it costs an average of $218 per month for full coverage and $116 for liability-only coverage.
The table below highlights average insurance costs for this model year by insurance company.
The 2018 Kia Forte’s starting MSRP was $18,045. Full-coverage insurance costs an average of $216 per month, and liability-only coverage averages $115.
You can see pricing for the 2018 Kia Forte in the table below.
The 2017 Kia Forte had a base MSRP of $17,495. Insuring it costs an average of $205 per month for full coverage and $109 for liability-only coverage.
The table below shows the insurers with the cheapest average monthly rates.
The 2016 Kia Forte had a base MSRP of $16,840. It costs $201 per month on average to insure it with full coverage and $107 for liability-only coverage.
The full-coverage and liability-only rates from several insurers appear in the table below.
When shopping for the best car insurance, your location can affect your premium significantly. For example, drivers in a ZIP code with higher accident or theft rates may have higher insurance rates.
The table below highlights the average costs by state to insure a Kia. Alaska and Hawaii are not included due to lack of data.
Buying adequate coverage for your Kia Forte matters, especially since vehicle repairs can be expensive. Every state except New Hampshire requires liability insurance at a minimum. If you finance your car, your lender will typically require you to maintain full coverage, which includes comprehensive and collision insurance.4
The following coverages are common components of a car insurance policy:
For some people, the affordability of a minimum-coverage policy is ideal. For others, the more robust protection of a full-coverage policy could be worth the higher auto insurance premiums.
As you explore your insurance options, comparison shop by getting quotes from multiple car insurance companies. Beyond shopping around, ask about insurance discounts, like bundling discounts or telematics programs, to help you save money.
If you need additional information about Kia Forte car insurance, the following frequently asked questions and their answers may help.
USAA, State Farm, and Allstate offer the cheapest average auto insurance rates for the Kia Forte.
The Kia Forte costs an average of $2,016 per year to insure. That’s less than the average annual cost of $1,712 for all drivers and vehicles.
A Kia Forte costs an average of $168 per month to insure. Liability-only insurance averages $117 per month, and a full-coverage policy costs an average of $219.
Car insurance costs vary based on your unique driver profile and the type of vehicle you drive. Relative to comparable cars, such as the Toyota Corolla, which costs an average of $156 per month to insure, and the Honda Civic, costing an average of $153 per month, Kia Forte insurance is only slightly higher, at $168 per month on average.
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