Best Car Insurance for Kia Optima EX

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Insurance for Kia Optima EX

Drivers save as much as 31% per year insuring their Kia Optima EX when they switch insurance providers with Jerry.

Here’s how much real Jerry customers have saved when they insured their Kia Optima EX:
Quote DateMake / modelStateCityAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
2021-05-31Kia Optima EXNCWinston Salem35-44NationwideCurrent$1,980$768
2021-04-09Kia Optima EXWALakewood21-24KemperPredicted$5,496$4,872
2021-06-15Kia Optima EXFLTampa25-34MercuryBasic$3,540$2,868
2021-05-17Kia Optima EXARJonesboro18-20SafecoStandard$4,200$2,664
2021-05-16Kia Optima EXFLAltamonte Springs45-54TravelersCustom$1,800$1,500
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How much does it cost to insure a Kia Optima EX?

The average annual cost to insure a Kia Optima EX is $3,311.46, which is $413.95 higher than the average annual cost to insure Kias.

Are you looking for a new Kia Optima EX? Here’s how much you can expect to pay for car insurance with Jerry:
Age Groups
Before Jerry
After Jerry
18-20$4,328$2,355
21-24$3,620$2,721
25-34$3,809$2,622
35-44$2,620$1,724
45-54$2,697$1,624
55-64$3,457$2,538

Best carriers for insuring your Optima EX

After crunching the data, we found that Plymouth Rock offers the cheapest car insurance for Kia Optima EX, at an average annual rate of $1,470.

Although averages can be a good way to get a general idea of how much it will cost to insure your Kia Optima EX, car insurance policies are highly individualized, so it’s always important to shop around for the best prices, discounts, and coverage options available to you. Luckily, Jerry does all the shopping (and switching) for you!
Here are the best car insurance companies that drivers have found to insure their Kia Optima EX by using Jerry:
Insurance companyState
Before Jerry
After Jerry
Plymouth Rock--$1,570$1,470
Infinity--$2,587$1,498
Dairyland--$3,240$1,745
Gainsco--$4,838$1,748
National General--$3,168$1,928
Nationwide--$3,458$2,005
Clearcover--$3,320$2,222
Progressive--$2,951$2,223
Safeco--$3,212$2,265
Allstate--$3,782$2,324
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Cost of insuring your year Kia Optima EX

As your Kia Optima EX ages, it becomes cheaper to insure. In fact, premiums drop by around -$192.42 with each passing model year.
Here are the savings Jerry users found based on their Kia Optima EX’s year:
Model yearState
Before Jerry
After Jerry
2020--$3,941$3,238
2019--$1,442$1,144
2018--$4,580$2,802
2017--$3,359$2,780
2016--$3,377$2,402
2015--$3,155$2,158
2014--$3,671$2,819
2013--$3,331$2,232
2012--$2,586$1,658
2011--$1,938$1,507

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Frequently asked questions

Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
Jerry currently shops for car, home, renters, and umbrella insurance.
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).

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