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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

RankStateAverage Insurance of Kia OptimaMSRPEstimated 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

RankStateAverage Insurance of Kia OptimaMSRPEstimated 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

RankStateAverage Insurance of Kia OptimaMSRPEstimated 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