Kias cost less to purchase than they do to insure. A Kia Optima’s typical insurance premiums are $181 per month or $2,172 annually. The yearly insurance costtobase car price ratio is 9.8% with a base price of $22,200, which is higher than the national average of 4%. To get a quotation, sort vehicle insurance providers by your state.
We gathered quotes from insurance firms using this profile to get our anticipated cost:
- Kia Optima 2017
- 10,00115,000 miles are logged annually.
- No mishaps in the previous five years.
- Vehicle anti-theft device
- Chauffeur based in New York
- decent credit
Our estimated cost is for the very minimum coverage required by the state, which covers protection against bodily injury, property damage, uninsured motorist bodily injury, and personal injury.
In This Article...
Other factors that can affect your auto insurance rate
- The year of the Kia Optima
- The trim of the car
- The degree of protection you require
- The yearly mileage you’re expected to log
- The safety and anti-theft measures of the car
- The driver’s rating for credit
- The location of the driver
- Age of the driver
- The past five years’ worth of the driver’s driving records
- The spouse of the driver
- your gender or that of the driver
- Regardless of whether the driver owns, leases, or rents the car
About the Kia Optima
Since its introduction in 2000, the Kia Optima has gone through four generations. The midsize car is renowned for its affordable base price, roomy interior, and high-end components. The Kia Optima is offered in a hybrid version. For the past two years, the Kia Optima has taken home the title of International Car of the Year.
Kia Optima money-saving safety features
If your Kia Optima has these safety features, you could be able to lower your insurance costs.
- Auto-locking brakes
- Stability management
- Airbags
- vehicle seatbelt tensioners
- anti-theft device
- against whiplash
How safe is the Kia Optima?
The Kia Optima was recognized as a Top Safety Pick+ vehicle by the Insurance Institute for Highway Safety (IIHS). The IIHS gave each crash test a good rating, which is the best score that can be given. The Kia Optima got the highest grade in every crash test and was given a 5-Star Overall Safety Rating by the National Highway Traffic Safety Administration (NHTSA).
The Kia Optima was recognized as the 18th most frequently stolen new car in 2012 by Forbes Magazine. For every 1,000 units sold, there are 2.39 thefts involving the Kia Optima.
Kia insurance costs a lot?
The annual cost of Kia car insurance is roughly $1,459. Kias have reasonable insurance premiums in comparison to other automobile makes and models, although the costs vary widely between models.
How much does a Kia Optima’s insurance cost?
How much does insurance for a Kia Optima cost? Full coverage Kia Optima auto insurance typically runs $1,528 per year, or $127 per month. A Kia Optima will cost about $32 more to insure annually than comparable cars, and $23 less annually than the $1,551 national average.
Is it expensive to maintain a Kia Optima?
The overall yearly car maintenance costs for the Kia Optima are $471. The table that follows provides a detailed ranking of each car in this overall scheme for comparison’s sake. The Kia Optima is significantly less expensive to maintain when compared to the average vehicle ($651 year), which has an average cost of $471.
Do you classify a Kia Optima as a sports car?
Using our free online tool, you can start comparing Kia Optima insurance quotes from some of the best auto insurance providers right away.
The Kia Optima is the brand’s take on a sports car. Kia Optima car insurance typically costs $1,328 annually, or $111 monthly.
The LX, EX, and SX trim levels are the ones offered for the Kia Optima. The top-tier SX will cost you more for auto insurance because it is $1,411 out of pocket. However, there are ways to cut costs on auto insurance.
How much does a Kia K5 insurance cost?
The cost of insurance for a Kia K5 GT Line is $3,341, which is $533 more than the cost of insurance for Kias as a whole.
Your insurance prices will be influenced by your vehicle’s base price.
A more expensive car will typically cost more to insure.
You must also have personal injury protection in no-fault states. No of who caused the accident, this coverage comes in to compensate for your party’s medical expenses and lost wages.
If you are in an accident with an uninsured or underinsured driver, your expenditures will be covered by uninsured motorist policy, which other states may require.
The majority of states also mandate different levels of liability insurance, which, in the event that you cause an accident, covers bodily injury responsibility and property damage liability for harm done to other motorists and their vehicles.
Insurance coverage to consider for a Kia K5 GT Line
Although purchasing the minimum required liability insurance for your K5 GT Line will be the most affordable option, it’s a good idea to carry more coverage.
Most drivers will choose full-coverage insurance, which will further safeguard you and your vehicle in the event of an accident or other incident.
Comprehensive insurance consists of:
Collision insurance, which covers damage to your car caused by collisions with other vehicles or stationary objects
Comprehensive insurance, which covers losses not caused by collisions like vandalism or bad weather
Why is Kia insurance so costly?
Key Learnings Because they are not leased or financed, older Kias will have lower insurance costs and will be less expensive to repair or replace than more recent versions.
Insurance for different models of Kia
Unbelievably, the kind of Kia you drive might have a significant impact on your insurance costs. This is due to the fact that repair and replacement costs vary between models.
In general, insurers must make larger reimbursements for more expensive vehicles, which results in higher insurance costs for you.
For instance, the insurance for a large SUV like the Telluride will be more expensive than that for a tiny sedan like the Rio. This is because it costs more to repair, is larger, and has a higher beginning price.
Check out the links below to find out more about how much vehicle insurance for some of the most well-known Kia cars costs.
Has Kia got its own insurance?
The value of having motor insurance for your Kia car cannot be overstated because it serves as a safeguard against any losses or damages to both the insured vehicle and the third party. In addition, replacing broken parts might occasionally be expensive. The primary advantages of Comprehensive insurance for your Kia vehicles are shown below.
Get the amount covered in the event that the insured vehicle is stolen or completely destroyed.
What is covered by the Kia warranty?
Kia is unbeatable with one of the best powertrain warranties available. By putting a strong statement of faith in the quality, workmanship, and materials used in its products, Kia conveys a positive message about the efficiency of its automobiles.
For 10 years or up to 100,000 miles, the Kia powertrain guarantee will cover any damage or flaws from the manufacturer. This guarantee covers all of the critical components of the vehicle, including the engine, driveshaft, propeller shafts, differential, axle, and transaxle.
How far will a Kia Optima drive?
The Kia Optima has a typical lifespan of 200,000 miles, which equates to around 13 years of service when you consider the average annual mileage of 15,000 miles. Because of this, the Kia Optima is an affordable option on the used automobile market that will last you for many years.
What does a Kia Optima cost on average?
The Manufacturer’s Suggested Retail Price (MSRP) for the 2020 Kia Optima LX 2.4 is $23,390. The prices of the S and Special Edition, the other two Optimas with 2.4-liter naturally aspirated engines, are $24,890 and $26,390, respectively. The price of an Optima with a 1.6T engine is slightly more.
What are the Kia Optima’s primary issues?
Engine issues with the Kia Optima are widely documented. According to reports, the 20112014 Kia Optima has a serious manufacturing problem with the engine that could lead to premature bearing wear. Uncontrollable engine seizing could result from this, raising the possibility of collisions or crashes.