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| Average Yearly Insurance Premium |
$1390 |
| Kia Optima MSRP |
$23960 |
| Estimated Monthly Income to Afford a Kia Optima Car including Insurance |
$450 |
Kia Optima - Average Insurance Price by Segment
| Male | $1800 |
| Male Married | $1630 |
| Female | $1160 |
| Female Married | $1070 |
| Teenage Boy | $4540 |
| Teenage Girl | $2660 |
Kia Optima Safety Features - 2013
Side airbags: front and rear head curtain airbags and front seat-mounted torso airbags
Electronic stability control
Antilock brakes
Daytime running lights (optional beginning with 2013 models)
Expensive States for Insuring Kia Optima
| Rank | State | Average Insurance of Kia Optima | MSRP | Estimated Monthly Income to Afford a Kia Optima including Insurance Cost |
|---|
| 1 |
Michigan |
$2400 |
$23400 |
$460 |
| 2 |
Louisiana |
$2400 |
$23400 |
$460 |
| 3 |
Oklahoma |
$1900 |
$23600 |
$450 |
| 4 |
West Virginia |
$1800 |
$23700 |
$450 |
| 5 |
Georgia |
$1800 |
$23600 |
$450 |
| 6 |
Rhode Island |
$1700 |
$26500 |
$500 |
| 7 |
New Jersey |
$1700 |
$26400 |
$500 |
| 8 |
Montana |
$1700 |
$25700 |
$490 |
| 9 |
Connecticut |
$1700 |
$26000 |
$490 |
| 10 |
California |
$1700 |
$26300 |
$500 |
Cheap States for Insuring Kia Optima
| Rank | State | Average Insurance of Kia Optima | MSRP | Estimated Monthly Income to Afford a Kia Optima including Insurance Cost |
|---|
| 1 |
Iowa |
$900 |
$23300 |
$430 |
| 2 |
Maine |
$900 |
$22800 |
$420 |
| 3 |
Idaho |
$1000 |
$26000 |
$480 |
| 4 |
North Carolina |
$1000 |
$23500 |
$430 |
| 5 |
New Hampshire |
$1000 |
$23900 |
$440 |
| 6 |
Vermont |
$1000 |
$23100 |
$430 |
| 7 |
Arizona |
$1100 |
$23600 |
$440 |
| 8 |
Indiana |
$1100 |
$23800 |
$440 |
| 9 |
Ohio |
$1100 |
$23400 |
$430 |
| 10 |
Colorado |
$1200 |
$23600 |
$440 |
Kia Optima - Remaining States under Study
| Rank | State | Average Insurance of Kia Optima | MSRP | Estimated Monthly Income to Afford of Kia Optima including Insurance Cost |
|---|
| 1 |
Illinois |
$1200 |
$23500 |
$440 |
| 2 |
Minnesota |
$1200 |
$24900 |
$460 |
| 3 |
Nebraska |
$1200 |
$23400 |
$440 |
| 4 |
Oregon |
$1200 |
$23500 |
$440 |
| 5 |
South Carolina |
$1200 |
$23200 |
$430 |
| 6 |
Virginia |
$1200 |
$26300 |
$490 |
| 7 |
Washington |
$1200 |
$26600 |
$490 |
| 8 |
Wisconsin |
$1200 |
$23300 |
$430 |
| 9 |
Arkansas |
$1300 |
$23400 |
$440 |
| 10 |
Kansas |
$1300 |
$23100 |
$430 |
| 11 |
Mississippi |
$1300 |
$23400 |
$440 |
| 12 |
North Dakota |
$1300 |
$23600 |
$440 |
| 13 |
New Mexico |
$1300 |
$23000 |
$430 |
| 14 |
Nevada |
$1300 |
$24300 |
$450 |
| 15 |
New York |
$1300 |
$26000 |
$480 |
| 16 |
Tennessee |
$1300 |
$23200 |
$430 |
| 17 |
Wyoming |
$1300 |
$25600 |
$480 |
| 18 |
Alaska |
$1400 |
$21500 |
$410 |
| 19 |
Florida |
$1400 |
$23400 |
$440 |
| 20 |
Hawaii |
$1400 |
$23200 |
$440 |
| 21 |
Maryland |
$1400 |
$23500 |
$440 |
| 22 |
Utah |
$1400 |
$23300 |
$440 |
| 23 |
Massachusetts |
$1500 |
$23400 |
$440 |
| 24 |
Pennsylvania |
$1500 |
$23300 |
$440 |
| 25 |
Texas |
$1500 |
$23600 |
$440 |
| 26 |
Alabama |
$1600 |
$23200 |
$440 |
| 27 |
Delaware |
$1600 |
$23000 |
$440 |
| 28 |
Kentucky |
$1600 |
$23300 |
$440 |
| 29 |
Missouri |
$1600 |
$23600 |
$450 |
Kia Optima Models Comparison
| Model |
Style |
Cylinders |
MSRP |
Average Premium of Kia Optima models |
Est. Monthly Income to Afford a Kia Optima including Insurance Cost |
|---|
| Optima EX |
4 Door Sedan |
4 cyl. |
$24000 |
$1480 |
$450 |
| Optima LX |
4 Door Sedan |
4 cyl. |
$24000 |
$1320 |
$450 |
| Optima SX |
4 Door Sedan |
4 cyl. |
$24000 |
$1410 |
$450 |
Kia Optima vs Mid Size Sedan Insurance Comparision