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Kia Optima insurance rates

Shedding light on car insurance prices

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Average Kia Optima insurance rates

The average insurance costs for a Kia Optima is $181 a month — or $2,172 a year. Your actual cost could be more or less depending on your driving record, the number of miles you drive in a year and other factors. To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

  • 2017 Kia Optima
  • 10,001–15,000 miles driven yearly
  • No accidents in the past five years
  • Anti-theft device on vehicle
  • Driver located in New York
  • Good credit

Our estimated price is for the state required minimum coverage which includes bodily injury, property damage, uninsured motorist bodily injury and personal injury protection.

Other factors that can affect your auto insurance rate

  • The Kia Optima’s model year
  • The vehicle’s trim
  • The amount of coverage you need
  • The estimated miles your drive in a year
  • The vehicle’s safety and anti-theft features
  • The driver’s credit score
  • The driver’s location
  • The driver’s age
  • The driver’s driving history in the past five years
  • The driver’s marital status
  • Your (or the driver’s) gender
  • Whether the driver rents, leases or owns the vehicle

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About the Kia Optima

Kia Optima Insurance FinderThe 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.

Insurance companies determine the insurance cost for a Kia Optima based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. Kia shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. Kia Optima shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.

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

Random Kia Facts

  • Kia is the second largest automotive manufacturer in South Korea and has been around since 1944.
  • In 2015, Kia sold over 3.3 million vehicles.
  • Kia has been producing military vehicles for the South Korean Army since 1976.
  • Kia is South Korea’s oldest car manufacturing company.
  • Kia base prices start at $15,000 and can go up to $50,000.

Compare insurance providers that cover Kia Optima

Name Product Roadside assistance New car protection Available states
Allstate
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Go to siteView details
Liberty Mutual
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Go to siteView details
Root
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Go to siteView details
Esurance
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Go to siteView details
Metromile
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
Go to siteView details
USAA
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.
Go to siteView details

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Kia Optima car insurance rates

A 2017 Kia Optima starts at a base price of $22,200. With the average insurance rate at $2,172 per year, the annual insurance cost–to–base car price ratio is 9.8%.

Model Monthly insurance rate Base 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

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.

Which car insurance provider is best for me?

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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. Explore the prices of other car brands and models:

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