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Average Kia Optima insurance rates
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%.
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Kia Optima car insurance rates
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
- 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.
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