Kia Optima insurance rates

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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.

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 we got this rate

  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

Get the cheapest quotes for your car

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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.