Compare Kia Optima car insurance prices

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.

Name	Roadside assistance	New car protection	Safe driver discount	Available states
Allstate	Optional		13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
Progressive	Optional		30%	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.	Get quotes More Info	Compare	loading Fetching your data...
The AARP Auto Insurance Program from The Hartford	Optional		Yes	All 50 states	Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.	Get quotes More Info	Compare	loading Fetching your data...
Root			52%	Available in 31 states	Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.	Get quotes More Info	Compare	loading Fetching your data...
Savvy	Optional	Depends on provider	Yes	All states & DC	Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual	Optional		30%	All 50 states & DC	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...

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Kia Optima car insurance rates

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

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

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.

Thank you for your feedback!

Roslyn McKenna

Roslyn McKenna is an insurance expert who's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.

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Kia Optima insurance rates