Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

Kia Optima insurance rates

Average Kia Optima insurance rates

Get the cheapest quotes for your car

Compare providers in your area.

Kias are cheap cars to buy but not quite as cheap to insure. The average insurance costs for a Kia Optima is $181 a month — or $2,172 a year. With a base price of $22,200, the annual insurance cost–to–base car price ratio is 9.8%, higher than the national average of 4%. Filter car insurance companies by your state to get a quote.

ModelMonthly insurance rateBase car price
Cadenza$220.00$31,990
Forte$180.00$16,600
K900$220.00$49,900
Optima$181.00$22,200
Rio$187.00$14,165
SEdona$190.00$26,900
Sorento$165.00$25,600
Soul$176.00$16,100
Soul Ev$174.00$32,250
Sportage$174.00$23,200
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
State Farm
State Farm
No
Yes
Drive Safe and Save
Yes
All 50 states
Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value.
Geico
No
No
DriveEasy
Yes
All 50 states

Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.

loading

Get the cheapest quotes for your car

Compare providers in your area.

About the Kia Optima

The Kia Optima has been around since 2000 and is currently in its fourth generation. The midsize car is known for its low base price, spacious interior and premium quality materials. There is a hybrid variant available for the Kia Optima. The Kia Optima has been the winner of International Car of the Year award for two years.

Kia Optima money-saving safety features

You could save money on car insurance for your Kia Optima if it comes equipped with these safety features.

  • Anti-lock brakes
  • Stability control
  • Airbags
  • Seatbelt pretensioners
  • Anti theft system
  • Anti whiplash

How safe is the Kia Optima?

The Insurance Institute for Highway Safety (IIHS) named the Kia Optima as a Top Safety Pick+ car. All the crash tests were rated as good, the highest rating possible, by the IIHS. The National Highway Traffic Safety Administration (NHTSA) awarded the Kia Optima with a 5-Star Overall Safety Rating and received the highest rating in all crash tests.

In 2012, Forbes Magazine ranked the Kia Optima as the number 18 in the Top 20 Most Stolen New Cars list. There are approximately 2.39 thefts for the Kia Optima per 1,000 models.

How does the Kia Optima compare to other car models?

From a price standpoint, the Kia Optima ranks right in the middle of our list of the 360 priciest car models to insure.

More guides on Finder

Ask a Question

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site