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 OptimaKia Optima

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.

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