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Cheapest 2021 Kia Forte Car Insurance (May 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2021 Kia Forte
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does car insurance cost for a 2021 Kia Forte

The average cost of car insurance for a 2021 Kia Forte is $1,248 to meet state minimum requirements. Compared to other models in a similar price range, insurance costs for the 2021 Kia Forte are 9% more
The cost of car insurance
is based on car make, model, and trim, along with safety features and driver information. To find an accurate estimate of your insurance costs for a 2021 Kia Forte, use
Jerry
to get a detailed
car insurance price comparison

Compare the cheapest 2021 Kia Forte car insurance quotes

Thousands of smart Kia Forte drivers come to Jerry every month to find the best rates from top-rated providers. Jerry’s customers save an average of $2,403 per year on car insurance. Below are cheap quotes Jerry found for 2021 Kia Forte drivers.
DateCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
May 26, 2024
Mercury
$155
• State Minimum Liability
• Comp / Collision
May 19, 2024
State Auto
$243
• State Minimum Liability
• Comp / Collision
May 18, 2024
National General
$172
• 100,000/300,000 Liability
• Comp / Collision
May 17, 2024
Plymouth Rock
$261
• 50,000/100,000 Liability
• Comp / Collision
May 10, 2024
Travelers
$142
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated May 26, 2024
However, insurance premiums can vary greatly based on trims and drivers. The best way to evaluate your own insurance costs is to
get a car insurance quote
from at least three insurance companies and compare rates.

The best car insurance companies for 2021 Kia Forte owners

There’s no best company for all 2021 Kia Forte drivers.
Insurance premiums are calculated
based on a wide range of factors, including driver age, driving record, and insurance history—and every company uses a slightly different algorithm to make those calculations. 
Jerry has conducted the largest insurance shopping survey in the nation to help people compare car insurance companies and find the best fit for them—not just in terms of price, but customer service and claims experience as well. 
The table below shows how 2021 Kia Forte drivers rated different insurance companies in these three categories, as well as overall.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Lower my car insurance too!

Average 2021 Kia Forte insurance costs

After analyzing data from many 2021 Kia Forte drivers, we discovered that the typical monthly expense for minimum liability coverage is $104, which adds up to $1,248 annually. As for full coverage insurance, the average monthly cost for 2021 Kia Forte drivers is $210, or $2,520 per year.
Insurance CoverageAverage insurance cost (monthly)Average insurance cost (yearly)
State minimum coverage
$104
$1,248
Full coverage
$210
$2,520
State minimum coverage
refers to the minimum amount of car insurance required by state laws, which typically includes some amount of
liability insurance
. In some states,
uninsured/underinsured motorist coverage
and/or
personal injury protection
are also required by law. 
Full coverage car insurance
, on the other hand, includes
collision
and
comprehensive coverage
, which are not required by law. Unlike minimum coverage, full coverage provides robust protection for your vehicle against damage from accidents, auto theft, vandalism, severe weather, and more.

2021 Kia Forte insurance costs by trim level

The cost of car insurance for a 2021 Kia Forte is also influenced by trim level. Upper trims tend to come with more tech and luxury features, which raises the cost of both repairs and insurance coverage.
Car Model & TrimAverage full coverage insurance costAverage minimum coverage insurance cost
2021 FE
$208
$102
2021 GT Line
$209
$107

How expensive is 2021 Kia Forte insurance compared to other years?

Newer cars are usually more expensive to insure than older models. New technology and other components typically cost more to repair or replace, which drives up the cost of coverage. 
On the other hand, new models tend to have better safety features and higher safety ratings, which can lower insurance costs. Some insurers also offer discounts for cars less than three model years old. 
The table below compares the average insurance cost of a Kia Forte manufactured in 2021 with that of the four closest model years.
CarMinimum CoverageFull Coverage
2010 Kia Forte
$99
$181
2011 Kia Forte
$99
$186
2012 Kia Forte
$106
$169
2013 Kia Forte
$116
$192
2014 Kia Forte
$103
$193
2015 Kia Forte
$110
$179
2016 Kia Forte
$113
$193
2017 Kia Forte
$115
$198
2018 Kia Forte
$112
$210
2019 Kia Forte
$110
$191
2020 Kia Forte
$121
$190
2021 Kia Forte
$104
$210
2022 Kia Forte
$117
$234
2023 Kia Forte
$97
$225

Are 2021 Kia Fortes expensive to insure? 

On average, car insurance for a 2021 Kia Forte costs $104. Compared with other models in a similar price range, it costs 9% more to insure a 2021 Kia Forte.
ModelAvg. Minimal Coverage Insurance CostAvg. Full Coverage Insurance Cost
2021 Hyundai Veloster
$42
$163
2021 Mazda CX-3
$70
$157
2021 Subaru Forester
$94
$139
2021 Kia Forte
$104
$210
2021 Mitsubishi Outlander
$146
$242
Insurance companies look at more than your car’s make and model to determine the cost of coverage. They’ll take into account the age of the vehicle, its MSRP and actual cash value, the size of its engine, and the likelihood of claims after a crash.

2021 Kia Forte
NHTSA safety ratings

Rating TypeRating
Driver's
Passenger's
Overall Front
Overall Side
Overall Rollover Rating
Overall
Side - Pole
Side Barrier Rating Driver
Side Barrier Rating Passenger Rear Seat
Side - Barrier
Side - Pole Barrier combined (FRONT)
Side - Pole Barrier combined (REAR)

What other factors affect 2021 Kia Forte insurance rates?

Car insurance companies consider the following factors when generating quotes: 
  • The kind of car you have: Collision and comprehensive coverage cost more for luxury vehicles, sports cars, and any high-performance vehicle. 
  • Your age: Young drivers (below age 25) pay higher insurance rates based on their lack of driving experience compared to older drivers. Drivers above age 75 also see higher rates based on declining road safety. 
  • Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets in the past five years. 
  • Where you keep your car: Insurance rates vary from state to state and even between different ZIP codes based on theft rates, accident statistics, and weather patterns in your area.

2021 Kia Forte insurance costs for young drivers

Teen drivers
typically pay the most for car insurance on account of their inexperience on the road. These spiked rates can stay on the higher side until a driver is at least 25 years old.
card cover
Ethel (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$227
per month
card cover
Emilie (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$267
per month
card cover
Allie (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$272
per month
card cover
Georgia (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$261
per month
card cover
Alexander (22 years old)
coverageCoverage
State Minimum
$536
per month

2021 Kia Forte insurance costs for senior drivers

On the whole, senior drivers pay some of the lowest car rates—they’re more established motorists and providers take note of that when determining insurance premium costs.
But that doesn’t necessarily extend to every senior. Insurance costs will actually rise for seniors over the age of 70 on account of increased driver error and the likelihood of more serious injuries in the event of a crash.
card cover
Marguerite (72 years old)
coverageCoverage
State Minimum
$100
per month
card cover
Travis (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$96
per month
card cover
Gainsco
Rhoda (67 years old)
coverageCoverage
State Minimum
$242
per month
card cover
Frederick (73 years old)
coverageCoverage
State Minimum
$102
per month
card cover
Electric
Todd (65 years old)
coverageCoverage
State Minimum
$122
per month

2021 Kia Forte insurance cost for drivers with driving violations 

Drivers with recent violations on their record will typically see higher insurance costs. Common violations can range from speeding tickets and driving without insurance to at-fault accidents and DUIs.
Here’s how much real policyholders pay for insurance if they have violations on their record.
ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Mercury
$154
• State Minimum Liability
• Comp / Collision
Defective Equipment
National General
$188
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Progressive
$186
• State Minimum Liability
• Comp / Collision
Careless Driving
Progressive
$287
• 25,000/50,000 Liability
• Comp / Collision
Driving on Sus. License
Allstate
$211
• 50,000/100,000 Liability
• Comp / Collision
Failure to Obey Signal
Nationwide
$181
• 100,000/100,000 Liability
• Comp / Collision
Improper Passing
Allstate
$143
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated May 26, 2024

How can I lower the cost of insurance for my 2021 Kia Forte?

Smart shopping strategies
and
car insurance discounts
can help you lower the cost of coverage for a 2021 Kia Forte. Here’s how: 
  • Compare at least three quotes: Never buy car insurance without comparing quotes from at least three different insurance providers.
    Jerry
    makes the comparison process quick and easy!    
  • Use a broker: Unlike captive agents and even most independent agents,
    car insurance brokers
    earn commissions without adding to your insurance costs or pushing you towards a more expensive policy. 
  • Bundle multiple policies: If you also pay for home or renters insurance, you can bundle your policies with a single provider to save money.
    Home and auto bundles
    save drivers an average of 15% or more! 
  • Check for discounts: Most insurers offer discounts for everything from good grades to staying accident-free—or even for buying a new vehicle! 
  • Enroll in a usage-based insurance program: Almost every major insurer offers usage-based programs that allow drivers to track their driving habits in real-time in exchange for potential discounts—and you’ll often get a discount just for signing up!

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.