Kia Forte Car Insurance Quotes (2025)

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.

Cost of Kia Forte insurance by model year

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.

Model Year	Average Monthly Quote: Full Coverage	Average Monthly Quote: Liability Only
2025 (Kia K4)	$268	$143
2024	$250	$133
2023	$245	$130
2022	$221	$118
2021	$235	$125
2020	$224	$119
2019	$218	$116
2018	$216	$115
2017	$205	$109
2016	$201	$107

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare Kia Forte Car Insurance Premiums

Insurify partners with 120+ insurers for real quotes

Enter your ZIP codeSee My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Average cost of Kia insurance by state

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.

Full-Coverage Rates by State

State	Average Monthly Quote
Alabama	$145
Arkansas	$261
Arizona	$177
California	$245
Colorado	$224
Connecticut	$340
Delaware	$250
Florida	$234
Georgia	$254
Iowa	$123
Idaho	$127
Illinois	$173
Indiana	$147
Kansas	$168
Kentucky	$220
Louisiana	$226
Massachusetts	$181
Maryland	$345
Maine	$153
Michigan	$282
Minnesota	$199
Missouri	$197
Mississippi	$211
Montana	$169
North Carolina	$95
North Dakota	$140
Nebraska	$178
New Hampshire	$115
New Jersey	$181
New Mexico	$161
Nevada	$286
New York	$479
Ohio	$131
Oklahoma	$181
Oregon	$164
Pennsylvania	$176
Rhode Island	$150
South Carolina	$274
South Dakota	$131
Tennessee	$152
Texas	$240
Utah	$186
Virginia	$196
Vermont	$154
Washington	$162
District of Columbia	$350
Wisconsin	$135
West Virginia	$159
Wyoming	$121

How to ensure you have enough coverage on your Kia Forte

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:

• 

  Liability coverage

  Drivers in most states must carry a minimum amount of bodily injury liability and property damage liability insurance. Although you’ll need to purchase at least your state’s minimum-required coverage, experts often recommend buying higher amounts to protect yourself financially if you cause an accident.

• 

  Collision coverage

  After a collision with another car or object, collision insurance pays to repair your vehicle, regardless of who was at fault.

• 

  Comprehensive coverage

  Comprehensive insurance pays to repair or replace your vehicle after a non-collision event, such as theft, severe weather, or vandalism.

• 

  Uninsured/underinsured motorist coverage

  If an uninsured or underinsured driver causes an accident, uninsured/underinsured motorist coverage helps pay for your expenses.

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.

Kia Forte car insurance FAQs