Best Car Insurance for Kia Optima LX 2022

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Best insurance for Kia Optima LX

One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 31% per year insuring their Kia Optima LX when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Kia Optima LX drivers after switching with Jerry.
Quote DateZip CodeStateCityNameAgeInsurance Company
Before Jerry
After Jerry
April 26, 202271334LARidgecrestBryan W.26Progressive$2,628$1,174
May 17, 202277351TXLivingstonClayton S.28Dairyland$2,676$2,456
May 14, 202262957ILMc-ClureOllie D.27Dairyland$2,800$2,356
May 3, 202219114PAPhiladelphiaMark L.30Progressive$2,580$2,144
May 5, 202285051AZPhoenixBrett N.27Clearcover$4,836$2,240
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How much does it cost to insure a Kia Optima LX

The average annual cost to insure a Kia Optima LX is $3,067, which is $256 higher than the average annual cost to insure Kias. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.

Insurance coverage to consider for a Kia Optima LX

While the mandatory liability coverage will be the cheapest option to insure your Optima LX, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather

What determines your car insurance cost for a Kia Optima LX

In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.

Your age

The cost of insurance for a Kia Optima LX will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Kia Optima LX than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Kia Optima LX:
Age Groups
Average Cost
Annual Savings with Jerry
18-20$4,247$1,601
21-24$3,583$1,041
25-34$3,261$1,085
35-44$2,973$869
45-54$2,591$772
55-64$2,444$737
65+$3,086$1,028

The year of your car

Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Kia Optima LX will be lower for an older car. These are real quotes Jerry has found for drivers of a Kia Optima LX based on model year:
Model year
Average Cost
Annual Savings with Jerry
2020$3,614$1,016
2019$3,271$1,002
2018$3,278$975
2017$2,863$835
2016$3,401$1,060
2015$3,085$899
2014$2,885$841
2013$3,362$1,275
2012$3,338$1,437
2011$2,945$865

Your carrier

While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Kia Optima LX with different carriers:
Insurance company
Average Cost
Annual Savings with Jerry
Gainsco$3,544$1,470
Aspire Advantage$2,776$1,087
Nationwide$3,126$1,035
Dairyland$3,146$1,025
Clearcover$3,068$1,016
Kemper$3,023$947
Safeco$2,975$923
Allstate$2,960$870
Commonwealth Insurance$2,243$561
Encompass$2,424$394

Trim levels and vehicle materials

The Kia Optima LX comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Kia Optima LX.

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