Costs for Auto Insurance for a Kia Optima

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Here's what you need to know...
  • The price you pay for car insurance for a Kia Optima will depend on which year and which trim package you purchase
  • Keep a clean driving record and a good credit report if you want to get the best insurance rates possible
  • The Optima comes equipped with several safety features


The average cost of insurance for the Kia Optima is $1,328. The Optima is available in three trim packages: the LX, EX, and SX. At $1,411, the top-of-the-line SX will cost you more out of pocket for car insurance.

First things first: enter your ZIP code above now to get FREE quotes on car insurance rates in your area!

If you are thinking about purchasing a Kia Optima, the first thing you should do is obtain quotes from insurance companies. The make, model, and year of the car will be the foremost determination of your cost of insurance.

How much should I expect to pay for car insurance for a Kia Optima?

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The Optima was first introduced in 2001 and quickly became Kia’s flagship car. This mid-sized sedan is considered a high performer and has held its own against tough competitors such as the Toyota Camry, Ford Fusion, and Honda Accord.

The Optima was totally redesigned in 2011, making it a stand out on the highway.

Long recognized for its spaciousness and driving comfort, the Optima offers good, solid transportation and plenty of standard features for less money.

To top it off, the Optima offers great fuel economy at 24 mpg city and 34 mpg highway.

There are a number of factors that determine what you will pay for car insurance for your vehicle.

  • The features of the car will contribute to the cost of insurance
  • The year, make, and model make a difference in what you can expect to pay.
  • A newer Kia Optima will cost more to insure than an older model.

Even within the same production year, different trim packages will affect the cost of coverage. As mentioned above, the Optima delivers a choice of three trim packages.

The average insurance cost of the base model LX is $1,280; the sporty EX averages $1,377, while the top-of-the-line SX has an average annual insurance cost of $1,411.

Kia put serious consideration into the safety features of the Optima. Standard features such as:

Insurance companies consider such features when determining car insurance costs.

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What driver characteristics are considered in determining the insurance cost for Kia Optima?

Driver characteristics are very important when determining car insurance cost. Someone with a clean driving record with no tickets or accidents can expect to pay a lower premium than someone with a bad driving record.

Even one fender-bender can result in a substantial premium hike.

The driver’s age also has an impact on rates. Younger, new drivers usually pay higher rates than older, more experienced drivers.

You may not realize it, but your credit rating could also affect your car insurance rates. If you have questionable credit, your insurance company is likely to charge you more.

It’s a good idea to check your credit regularly to make sure that it contains accurate information.

If your credit is less than stellar, you may want to work toward eliminating negative items on your credit report that may affect your insurance rate.

Are there discounts for car insurance for the Kia Optima?

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If you are considering purchasing a Kia Optima, you may want to look into possible discounts that will help to reduce your insurance cost. Many insurance companies offer discounts for a variety of situations.

Some companies offer discounts when they insure multiple vehicles under the same plan. If you are, or have, a student driver, you may be eligible for discounts for good school performance.

Some companies will give you a break if you are a member of a professional organization. A new trend now is to reward good driving behavior with such programs as diminishing deductible for every year without a claim.

Be sure to check with your agent to see if there are any discounts available to you.

If you are indeed considering buying a Kia Optima, this may be the time to shop around for the best car insurance rates available.

When shopping for quotes, you want to make sure that you are comparing apples to apples and that you are getting the right amount of coverage required for your area.

There are endless resources on the Internet you can use to research car insurance rates on your new Kia Optima.

To get started on obtaining the best rates car insurance rates available for your Kia Optima, enter your ZIP code below now!

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