Kia Optima Car Insurance Rates

Kias are inexpensive to purchase, but insurance costs are higher. Kia Optima car insurance rates an average of $181 per month, or $2,172 per year for a standard model. To put it another way, the yearly insurance costs to base vehicle prices are 9.8 percent more expensive at $22,200 than they are at $4 percent.

About the Kia Optima

Kia Optima Car Insurance Rates - Kia Logo

There have been four generations of the Kia Optima since 2000. The cheap starting price, roomy cabin, and high-quality materials distinguish the midsize vehicle. The Kia Optima comes in a hybrid model. International Car of the Year has gone to the Kia Optima twice already.

Kia Optima money-saving safety features

If your Kia Optima has the following safety features, you may be able to save money on your auto insurance.

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

How safe is the Kia Optima?

Optima was designated a Top Safety Pick+ vehicle by the Insurance Institute for Highway Safety. Every one of the IIHS’s crash testing was deemed excellent, the best possible grade. The NHTSA gave the Kia Optima a 5-Star Overall Safety Rating, and it scored the best possible score in all crash testing.

The Kia Optima was number 18 on Forbes Magazine’s list of the 20 most stolen new cars in 2012. Kia Optima theft rates are around 2.39 per 1,000 vehicles.

How does the Kia Optima compare to other car models?

The Kia Optima is in the middle of the pack when it comes to insurance costs among the 360 different vehicle models we considered.

You may compare it and check out our review of Hyundai Sonata Insurance Rates.