Kia Optima Insurance Rates
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No person can deny that your Kia Optima is a complete beauty. One look at its frame measuring 1810 mm (diameter) by 4740 mm (length) by 1490 (height) may show that this is accurate.
It is not just outside of the Kia Optima that can amaze, but also its interior too. There's plenty of space for family and pals since it seats up to 5 passengers. Getting in and out the vehicle with a wheelbase measuring 2730 mm is trouble-free for all as it's a total of 4 doors.
Ahead of taking your stunning ride from one spot to the other, you should first get it insured. This can serve as a defense for your pocket just in case a vehicular accident happens.
Possibly someone told you that insuring your Kia Optima will not be easy in your savings due to the high monthly or annual premiums. It's for the exact same reason why some car owners don't cover their own properties, unless they are residents of states in which every auto owner should purchase the minimum car coverage policy.
Whether or not buying automobile coverage is mandated by the law, it is a good idea to insure your Kia Optima. That is because a vehicular accident may still happen even when you're the most experienced and cautious driver around.
There are different things which could be blamed for a auto accident other than having reckless driving abilities. A problem concerning the transmission is among those. As an example, a part of the automatic transmission could be faulty. Sometimes, it may become damaged due to normal wear and tear.
You may consider your Kia Optima to have the finest Front. Unfortunately, vehicles with Front or the other type are not impervious to issues.
Getting your car's automatic transmission scrutinized on a regular basis or substituted as necessary may help lower the risk of problems and finally car accidents. But will not keep vehicular that runs on Gasoline - Premium.
And while we are at it, other engine-related characteristics of the Kia Optima include: 185 maximum HP, 247 Nm maximum torque, 24 valves, and 2654 cc displacement.
Yes, enjoying less its fuel economy boasting of 10.7 1/100 km when driving at the urban area 7.8 1/100 kilometers when driving on the main road may make owning a car coverage policy more affordable. The fantastic news is that bringing down the cost of auto coverage doesn't start and end there.
Instead of driving your Kia Optima less, you might also drive it safely as you can. It is possible to prove this to the car coverage company by presenting a driving record that is perfect.
Undergoing a defensive driving course is just one simple way to turn yourself from a reckless to a cautious driver. It's not only for lowering automobiles coverage prices. It is also for reducing your chance of crashing into another car or someone's property.
To exhibit that you are inclined to do anything and everything it might take to keep vehicular accidents at bay, you may install some ride safety attributes. Some instances include side airbags, brake assist, reverse parking sensors, car DVR, forward collision warning, and blind-spot warning.
Parking your Kia Optima where it is from harm's way may also help lower your monthly or annual premiums. You can determine the fact that you are not leaving your vehicle in questionable areas with the help of a GPS tracker.
Refrain from assuming that automobile coverage is expensive or an effect of unnecessary expenses. It's for your protection only in case a car accident occurs and you are the at-fault party. There are a variety of methods to maintain your monthly or per annum premiums low, and the hints shared previously are just some of those.
Kia Optima Trims Available
| Kia Optima Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| EX Hybrid Sedan | $1496 | $760 | $127 |
| LX Sedan | $1525 | $773 | $130 |
| S Sedan | $1588 | $790 | $133 |
| EX Sedan | $1635 | $821 | $136 |
| EX Plug-in Hybrid Sedan | $1651 | $826 | $137 |
| SX Sedan | $1678 | $833 | $139 |
Model by Year
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Optima | $308 | $511 | $442 | $1439 |
| 2019 Kia Optima | $293 | $512 | $454 | $1428 |
| 2018 Kia Optima | $285 | $492 | $476 | $1444 |
| 2017 Kia Optima | $277 | $474 | $489 | $1430 |
| 2016 Kia Optima | $263 | $457 | $503 | $1403 |
| 2015 Kia Optima | $252 | $426 | $511 | $1373 |
| 2014 Kia Optima | $241 | $402 | $516 | $1341 |
| 2013 Kia Optima | $230 | $359 | $522 | $1296 |
| 2012 Kia Optima | $215 | $330 | $523 | $1246 |
| 2011 Kia Optima | $206 | $312 | $523 | $1230 |
| 2010 Kia Optima | $203 | $291 | $541 | $1216 |
| 2009 Kia Optima | $186 | $269 | $538 | $1170 |
| 2008 Kia Optima | $184 | $245 | $539 | $1144 |
| 2007 Kia Optima | $171 | $222 | $532 | $1121 |
| 2006 Kia Optima | $160 | $204 | $535 | $1081 |
| 2005 Kia Optima | $154 | $183 | $532 | $1051 |
| 2004 Kia Optima | $153 | $178 | $522 | $1034 |
| 2003 Kia Optima | $149 | $169 | $509 | $1007 |
| 2002 Kia Optima | $139 | $160 | $509 | $994 |
| 2001 Kia Optima | $132 | $153 | $506 | $960 |
Cost by Driver Age and Deductibles
| Driver Age | Deductible | Annual Cost | Monthly Cost |
|---|---|---|---|
| 20 | $998 | $2724 | $226 |
| $506 | $3175 | $268 | |
| $253 | $3669 | $304 | |
| 30 | $1002 | $1403 | $119 |
| $502 | $1675 | $139 | |
| $253 | $1939 | $161 | |
| 40 | $1000 | $1352 | $114 |
| $501 | $1606 | $133 | |
| $252 | $1837 | $154 | |
| 50 | $1011 | $1241 | $104 |
| $503 | $1442 | $121 | |
| $250 | $1670 | $139 | |
| 60 | $1003 | $1215 | $101 |
| $504 | $1433 | $120 | |
| $250 | $1632 | $138 |
Cost by Location
| City/State | Annual Rate | Monthly Rate |
|---|---|---|
| Detroit, MI | $6279 | $516 |
| New Orleans, LA | $3742 | $309 |
| Miami, FL | $3070 | $252 |
| New York, NY | $2963 | $249 |
| Philadelphia, PA | $2625 | $220 |
| Las Vegas, NV | $2635 | $217 |
| Los Angeles, CA | $2616 | $218 |
| Louisville, KY | $2502 | $208 |
| San Francisco, CA | $2231 | $188 |
| Oakland, CA | $2216 | $185 |
| Sacramento, CA | $2111 | $176 |
| Baltimore, MD | $2042 | $172 |
| Long Beach, CA | $2041 | $169 |
| Tulsa, OK | $1986 | $165 |
| Oklahoma City, OK | $1964 | $165 |
| Kansas City, MO | $1969 | $166 |
| Denver, CO | $1930 | $160 |
| Memphis, TN | $1931 | $160 |
| Atlanta, GA | $1888 | $158 |
| Colorado Springs, CO | $1879 | $158 |
| Fresno, CA | $1873 | $154 |
| San Jose, CA | $1846 | $152 |
| Phoenix, AZ | $1783 | $149 |
| Portland, OR | $1753 | $149 |
| San Diego, CA | $1753 | $146 |
| Jacksonville, FL | $1755 | $146 |
| Boston, MA | $1754 | $145 |
| Wichita, KS | $1703 | $142 |
| Chicago, IL | $1681 | $141 |
| Dallas, TX | $1666 | $139 |
| Houston, TX | $1668 | $139 |
| Seattle, WA | $1655 | $137 |
| Minneapolis, MN | $1648 | $136 |
| Nashville, TN | $1591 | $132 |
| Indianapolis, IN | $1591 | $132 |
| Milwaukee, WI | $1581 | $133 |
| Mesa, AZ | $1570 | $130 |
| Albuquerque, NM | $1550 | $128 |
| Tucson, AZ | $1493 | $126 |
| San Antonio, TX | $1484 | $126 |
| Omaha, NE | $1441 | $121 |
| Fort Worth, TX | $1429 | $119 |
| El Paso, TX | $1436 | $120 |
| Austin, TX | $1399 | $118 |
| Cleveland, OH | $1224 | $103 |
| Columbus, OH | $1169 | $97 |
| Charlotte, NC | $1088 | $91 |
| Virginia Beach, VA | $1025 | $86 |
| Raleigh, NC | $952 | $78 |
Cost by State
| U.S. State | Annual Cost | 6-month Cost | Monthly Cost |
|---|---|---|---|
| Alabama | $1330 | $677 | $111 |
| Alaska | $1250 | $631 | $105 |
| Arizona | $1440 | $715 | $121 |
| Arkansas | $1546 | $769 | $128 |
| California | $1779 | $879 | $149 |
| Colorado | $1710 | $851 | $143 |
| Connecticut | $1743 | $879 | $146 |
| Delaware | $1728 | $873 | $144 |
| Florida | $2143 | $1078 | $179 |
| Georgia | $1635 | $824 | $137 |
| Hawaii | $1258 | $636 | $105 |
| Idaho | $1074 | $532 | $90 |
| Illinois | $1133 | $565 | $95 |
| Indiana | $1150 | $575 | $96 |
| Iowa | $1049 | $529 | $89 |
| Kansas | $1373 | $697 | $116 |
| Kentucky | $1822 | $906 | $149 |
| Louisiana | $2357 | $1185 | $197 |
| Maine | $1012 | $501 | $84 |
| Maryland | $1469 | $731 | $122 |
| Massachusetts | $1331 | $666 | $112 |
| Michigan | $2840 | $1430 | $238 |
| Minnesota | $1406 | $706 | $118 |
| Mississippi | $1433 | $709 | $119 |
| Missouri | $1399 | $694 | $116 |
| Montana | $1453 | $728 | $123 |
| Nebraska | $1252 | $626 | $106 |
| Nevada | $1787 | $887 | $148 |
| New Hampshire | $1165 | $576 | $97 |
| New Jersey | $1541 | $777 | $130 |
| New Mexico | $1379 | $697 | $115 |
| New York | $1779 | $880 | $147 |
| North Carolina | $1083 | $539 | $91 |
| North Dakota | $1233 | $619 | $102 |
| Ohio | $1068 | $542 | $90 |
| Oklahoma | $1733 | $861 | $143 |
| Oregon | $1423 | $700 | $118 |
| Pennsylvania | $1406 | $705 | $116 |
| Rhode Island | $1896 | $951 | $160 |
| South Carolina | $1472 | $737 | $123 |
| South Dakota | $1327 | $656 | $110 |
| Tennessee | $1326 | $663 | $110 |
| Texas | $1544 | $773 | $129 |
| Utah | $1313 | $652 | $110 |
| Vermont | $1097 | $553 | $93 |
| Virginia | $1025 | $509 | $86 |
| Washington | $1249 | $624 | $105 |
| West Virginia | $1405 | $709 | $120 |
| Wisconsin | $1172 | $587 | $97 |
| Wyoming | $1428 | $707 | $119 |
Other Kia models
Other styles
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $47 |
| Advance Quote | $66 |
| Online Quote | $94 |
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Discounts are estimated and may not be available from every company or in every state.
