Kia Optima insurance rates
Shedding light on car insurance prices
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.
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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.
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.
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Rates last updated April 21st, 2018
Kia Optima price
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%.
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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Allstate Auto Insurance
Allstate is a trusted and well-established company that offers life, automobile, home, renters, condo, motorcycle and business insurance policies. Founded in 1931, the company strives to make the community safer. Allstate car insurance comes with:
- New car replacement.
- Accident forgiveness.
- Rewards for safe driving.
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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