Kia Optima Auto Insurance Rates

Kia Optima auto insurance rates average $1,454 a year, or $121 a month. Thanks to a sold 5-star safety rating, Kia Optima insurance costs are lower than some other models. The cost of Kia Optima auto insurance is also affected by the trim level and driver factors like tickets and accidents. Find the best Kia Optima insurance by comparing multiple quotes.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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The Kia Optima hasn’t been much to write home about in the past, but since it was redesigned it looks to be every bit that sporty midsize sedan everyone wants. Starting at $23,390, the 2020 Optima has an attractive sticker price for what it offers.

However, an attractive MSRP isn’t the only thing you should be looking at. What are the associated costs? One of them will be your Kia Optima auto insurance rates. If you want to learn more about how to find affordable Kia Optima auto insurance, read on.

If you want to get right to it and buy Kia Optima auto insurance now, we can help. Enter your ZIP code above to compare Kia Optima auto insurance quotes from top companies.

Kia Optima Auto Insurance Costs

The average auto insurance rate for a Kia Optima is $1,454 a year, or $121 a month.

However, it’s important to bear in mind that insurance costs will vary from driver to driver, insurer to insurer, and even area to area. Factors like your driving record, age, and demographic can help or harm you.

How to Save Money on Kia Optima Insurance

There are some things that will increase your rates above the average.  For example, if you’re male, under 25, and you’ve had a couple of car accidents, you’ll be considered a higher risk to insure. Therefore, you’ll see your insurance premiums go up.

However, there’s a surefire way to lower your costs. Get quotes from multiple insurance companies. If you stick with the first quote you’re given, you might be missing out on incentives and discounts other companies might be offering.

You can also make sure you are taking advantage of the many available discounts. Read on to learn more about how Kia's safety features can save you money.

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Kia Optima Reviews

With its new styling and upgraded interior, the Kia Optima has made a name for itself. It provides a pleasant ride, and the engine provides enough kick to satisfy most drivers. The engine can also be upgraded for those that want a more peppy ride.

The Optima comes standard as the LX and has 4 additional trims: EX, EX Turbo, SX, and Hybrid. Standard on the LX are power accessories, air conditioning, satellite radio, and a stereo with CD player. The 2.4 liter 4 cylinder engine provides more than enough power to get you around.

When you upgrade through the trim levels you get more. The Hybrid and the EX will add a couple of new features, while the EX Turbo and the SX trim levels get the 2.0 liter 4 cylinder turbocharged engine. It is worth noting that no matter which engine your car is equipped with, the fuel economy rating is stellar.

Kia Optima Safety Features

The Federal government has tested the 2020 Optima, and has given it an overall 5-star safety rating. It got 5/5 stars on the front, rollover, and side crash tests with the federal government.

The IIHS gives the 2020 Kia Optima "Good" ratings across the board. These safety ratings mean that the Kia Optima is very safe - all of the crash tests showed a well-built car that will keep you safe in an accident.

How Kia Optima Safety Features Lower Rates

Keep in mind that safety features can lower your monthly rates. The 2020 Optima comes standard with:

  • Anti-lock brakes
  • Stability control
  • Airbags
  • Seatbelt pretensioners
  • Anti-theft system
  • Anti whiplash

These things can get you a discount on your Kia Optima car insurance rates.

How does the Kia Optima compare to other similar cars?

Compared to competing models like the Honda Accord and the Nissan Altima, the Kia Optima has a lower MSRP. It doesn't perform as well in terms of fuel efficiency, however, at 27 mpg compared to the Accord's 33 mpg.

Both the Accord and the Altima also scored 5-star safety ratings, on par with the Optima.

Compare Kia Optima Auto Insurance Quotes

There's no single Kia Optima auto insurance company that's best for everyone. You need to compare quotes from multiple companies to find the best choice for your needs.

Don’t hesitate and get a free quote today. Enter your ZIP code, and we’ll help you save on your Kia Optima car insurance right now.

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