Compare and save on car 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
Compare and save on car 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.
Trek through 10 factors that affect car insurance costs and which states have the best and worst affordability.
Compare insurers that serve Fresno, California, side by side.
These top 4 companies should narrow down your car insurance options in San Diego.
See our 4 best picks for car insurance in Denver, plus a few more to consider.
See average EV insurance rates for 2021 based on Finder’s car model research, plus new models on the horizon.
Learn how insurance companies use identifying info from your VIN to set rates.
Your top choices for pairing the best savings, options and service when buying multiple insurance policies.
Compare the 5 best digital-focused car insurance companies.
Cars with stick shifts cost a little less to insure than automatics
Hybrids have great fuel economy, but can cost more to repair and insure.