Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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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…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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The Optima hasn’t been much to write home about in the past, but with recent redesigning it looks to be every bit that sporty midsize sedan everyone wants. Starting at around $21,000, the 2012 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 Kia Optima insurance; if you want to learn more about how to save on insurance, read on.

Kia Optima Insurance: Costs

The following are average costs of coverage for the 2011 Optima. The cost appears to change depending on the trim level you have. LX owners paid an average of around $1,250, EX owners paid around $1,350, while those with the SX trim level paid around $1,400.

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.

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.

These Companies Offer Affordable Kia Optima Car Insurance

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

The Federal government has tested the 2012 Optima, but the IIHS hasn’t yet. It got 5/5 stars on front, rollover and side crash tests with the federal government, and earned 5/5 stars overall. The 2011 Optima aced all of its crash tests with a score of “good”, and was named one of the IIHS’ top safety picks.

Keep in mind that safety features can lower your monthly premium. The 2012 Optima comes standard with anti-lock brakes, brake assist, traction control, six airbags, and a tire pressure monitoring system among other features.

Kia Optima Insurance: Quotes

Don’t hesitate and get a free quote today. Enter your zip code, and we’ll help you save on your car insurance.