Get the cheapest quotes on your auto insurance
Enter your ZIP code to see insurers near you.
Your information is secure.
Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure
Get the cheapest quotes on your auto insurance
Enter your ZIP code to see insurers near you.
Your information is secure.
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 |
Enter your zip code to compare providers in your area.
Your information is secure
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.
You could save money on car insurance for your Kia Optima if it comes equipped with these safety features.
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.
From a price standpoint, the Kia Optima ranks right in the middle of our list of the 360 priciest car models to insure.
Learn about the security features of the COLDCARD Mk4 — a Bitcoin-only hardware wallet.
Gas prices are on the rise, which has the vast majority of Americans worried about what the future holds.
Your simple and straightforward guide to ETFs, how they work and the different types available.
Learn how you can use various short-selling strategies to further your Bitcoin profits.
Your place to check out the latest Finder Money Newsletter.
Discover more about the 31 assets in Coinbase Ventures Portfolio and its $484bn market cap.
Data on the personal saving rate in the US.
A breakdown of disposable income stats for the US including historical charts, averages and more.
The best trading apps come with low fees and are easy to use.