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Jerry Data & Research
Cheapest 2016 Kia Optima Car Insurance (Apr 2024)
Cheapest 2016 Kia Optima Car Insurance (Apr 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2016 Kia Optima
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How much does car insurance cost for a 2016 Kia Optima ?
- Compare the cheapest 2016 Kia Optima car insurance quotes
- The best car insurance companies for 2016 Kia Optima owners
- How expensive is 2016 Kia Optima insurance compared to other years?
- Are 2016 Kia Optimas expensive to insure?
- Methodology
- Meet our experts
Load full table of contents
How much does car insurance cost for a 2016 Kia Optima ?
The average cost of car insurance for a 2016 Kia Optima is $1,368 to meet state minimum requirements. Compared to other models in a similar price range, insurance costs for the 2016 Kia Optima are 1% more.
The cost of car insurance
is based on car make, model, and trim, along with safety features and driver information. To find an accurate estimate of your insurance costs for a 2016 Kia Optima, use Jerry
to get a detailed car insurance price comparison
. Compare the cheapest 2016 Kia Optima car insurance quotes
Thousands of smart Kia Optima drivers come to Jerry every month to find the best rates from top-rated providers. Jerry’s customers save an average of $2,299 per year on car insurance. Below are cheap quotes Jerry found for 2016 Kia Optima drivers.
| Date | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
April 27, 2024 | Infinity | $79 | Brett, 31 | • State Minimum Liability | |
April 27, 2024 | Clearcover | $158 | Jack, 34 | • 50,000/100,000 Liability • Comp / Collision | |
April 13, 2024 | Mercury | $131 | Lora, 28 | • 100,000/300,000 Liability • Comp / Collision | |
April 10, 2024 | Gainsco | $163 | Nora, 37 | • State Minimum Liability | |
April 10, 2024 | Nationwide | $92 | Georgie, 33 | • State Minimum Liability • Comp / Collision |
Last Updated Apr 27, 2024However, insurance premiums can vary greatly based on trims and drivers. The best way to evaluate your own insurance costs is to
get a car insurance quote
from at least three insurance companies and compare rates. The best car insurance companies for 2016 Kia Optima owners
There’s no best company for all 2016 Kia Optima drivers.
Insurance premiums are calculated
based on a wide range of factors, including driver age, driving record, and insurance history—and every company uses a slightly different algorithm to make those calculations. Jerry has conducted the largest insurance shopping survey in the nation to help people compare car insurance companies and find the best fit for them—not just in terms of price, but customer service and claims experience as well.
The table below shows how 2016 Kia Optima drivers rated different insurance companies and how their prices compare.
Insurance Company | Overall Rating | Average annual min liability | Average annual full coverage |
|---|---|---|---|
4.6 | $566 | $1,924 | |
4.5 | $362 | $2,434 | |
4.3 | $1,039 | $2,360 | |
4.2 | $1,681 | $2,310 | |
4.2 | $934 | $2,572 | |
4.2 | $948 | $2,070 | |
4.3 | $1,558 | $1,987 | |
3.5 | $1,275 | $2,459 | |
4.3 | $1,475 | $3,546 | |
3.9 | $240 | $1,525 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average 2016 Kia Optima insurance costs
From working with lots of 2016 Kia Optima drivers, we found that the average cost of minimum liability coverage is $114 per month, or $1,368 per year. The average cost for full coverage insurance for 2016 Kia Optima drivers is $211 per month or $2,532 per year.
| Insurance Coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $114 | $1,368 |
Full coverage | $211 | $2,532 |
State minimum coverage
refers to the minimum amount of car insurance required by state laws, which typically includes some amount of liability insurance
. In some states, uninsured/underinsured motorist coverage
and/or personal injury protection
are also required by law. Full coverage car insurance
, on the other hand, includes collision
and comprehensive coverage
, which are not required by law. Unlike minimum coverage, full coverage provides robust protection for your vehicle against damage from accidents, auto theft, vandalism, severe weather, and more. Compare insurance information for other Kias
2016 Kia Optima insurance costs by trim level
The cost of car insurance for a 2016 Kia Optima is also influenced by trim level. Upper trims tend to come with more tech and luxury features, which raises the cost of both repairs and insurance coverage.
| Car Model & Trim | Average full coverage insurance cost | Average minimum coverage insurance cost |
|---|---|---|
2016 EX | $212 | $116 |
2016 Hybrid | $198 | $121 |
2016 LX | $209 | $111 |
2016 SX | $213 | $138 |
2016 SXL | $223 | $92 |
How expensive is 2016 Kia Optima insurance compared to other years?
Newer cars are usually more expensive to insure than older models. New technology and other components typically cost more to repair or replace, which drives up the cost of coverage.
On the other hand, new models tend to have better safety features and higher safety ratings, which can lower insurance costs. Some insurers also offer discounts for cars less than three model years old.
The table below compares the average insurance cost of a Kia Optima manufactured in 2016 with that of the four closest model years.
| Car | Minimum Coverage | Full Coverage |
|---|---|---|
2002 Kia Optima | $72 | $117 |
2004 Kia Optima | $111 | $230 |
2005 Kia Optima | $82 | $137 |
2006 Kia Optima | $109 | $180 |
2007 Kia Optima | $80 | $150 |
2008 Kia Optima | $101 | $209 |
2009 Kia Optima | $106 | $184 |
2010 Kia Optima | $99 | $130 |
2011 Kia Optima | $100 | $193 |
2012 Kia Optima | $107 | $202 |
2013 Kia Optima | $106 | $185 |
2014 Kia Optima | $118 | $206 |
2015 Kia Optima | $100 | $200 |
2016 Kia Optima | $114 | $211 |
2017 Kia Optima | $130 | $214 |
2018 Kia Optima | $91 | $209 |
2019 Kia Optima | $102 | $205 |
2020 Kia Optima | $104 | $217 |
Are 2016 Kia Optimas expensive to insure?
On average, car insurance for a 2016 Kia Optima costs $114. Compared with other models in a similar price range, it costs 1% more to insure a 2016 Kia Optima.
| Model | Avg. Minimal Coverage Insurance Cost | Avg. Full Coverage Insurance Cost |
|---|---|---|
2016 Subaru WRX | $70 | $221 |
2016 Fiat 500 | $74 | $149 |
2016 Mitsubishi Outlander | $88 | $198 |
2016 Mazda 3 | $94 | $185 |
2016 Kia Optima | $114 | $211 |
Insurance companies look at more than your car’s make and model to determine the cost of coverage. They’ll take into account the age of the vehicle, its MSRP and actual cash value, the size of its engine, and the likelihood of claims after a crash.
| Rating Type | Rating |
|---|---|
Driver's | |
Passenger's | |
Overall Front | |
Overall Side | |
Overall Rollover Rating | |
Overall | |
Side - Pole | |
Side Barrier Rating Driver | |
Side Barrier Rating Passenger Rear Seat | |
Side - Barrier | |
Side - Pole Barrier combined (FRONT) | |
Side - Pole Barrier combined (REAR) | |
Front Seat | |
Rear Seat |
What other factors affect 2016 Kia Optima insurance rates?
Car insurance companies consider the following factors when generating quotes:
- The kind of car you have: Collision and comprehensive coverage cost more for luxury vehicles, sports cars, and any high-performance vehicle.
- Your age: Young drivers (below age 25) pay higher insurance rates based on their lack of driving experience compared to older drivers. Drivers above age 75 also see higher rates based on declining road safety.
- Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets in the past five years.
- Where you keep your car: Insurance rates vary from state to state and even between different ZIP codes based on theft rates, accident statistics, and weather patterns in your area.
2016 Kia Optima insurance costs for young drivers
The Kia Optima is a popular car with many young drivers—but don’t expect insurance to come cheap. Drivers between the ages of 16 and 25 pay some of the highest rates for car insurance.
Teen drivers
in particular can expect to pay high rates due to a high rate of accidents and violations. Here’s what drivers aged 18 to 21 should expect to pay on average to insure a Kia Optima per month:
Ages | Minimum liability | Full coverage |
|---|---|---|
18–21 | $212 | $410 |
2016 Kia Optima insurance costs for senior drivers
On the other end of the spectrum,
senior drivers
typically enjoy some of the lowest rates for 2016 Kia Optima insurance. That’s because drivers over age 55 have more experience than just about anyone else on the road.
The catch: around your mid-70s, you’ll likely see your car insurance rates start to climb again due to increased driver error and a higher likelihood of serious injuries.
Here’s what drivers age 55 and over tend to pay on average to insure an Optima:
Ages | Minimum liability | Full coverage |
|---|---|---|
55–64 | $141 | $197 |
65 + | $113 | $201 |
2016 Kia Optima insurance cost for drivers with driving violations
Speeding, DUIs, and at-fault accidents aren’t the only incidents on your driving record that can raise rates.
The table below compares quotes for Kia Optima drivers with a range of violations in their past.
Vehicle Model | Violation | Average annual insurance cost |
|---|---|---|
Kia Optima LX | Minor speeding violation | $3,376 |
Kia Optima LX | Misc minor violations | $8,007 |
Kia Optima LX | Failure to obey signal | $10,079 |
Kia Optima LX | Careless driving | $6,545 |
Kia Optima LX | Seat belt | $11,406 |
How can I lower the cost of insurance for my 2016 Kia Optima?
Smart shopping strategies
and car insurance discounts
can help you lower the cost of coverage for a 2016 Kia Optima. Here’s how: - Compare at least three quotes: Never buy car insurance without comparing quotes from at least three different insurance providers.Jerrymakes the comparison process quick and easy!
- Use a broker: Unlike captive agents and even most independent agents,car insurance brokersearn commissions without adding to your insurance costs or pushing you towards a more expensive policy.
- Bundle multiple policies: If you also pay for home or renters insurance, you can bundle your policies with a single provider to save money.Home and auto bundlessave drivers an average of 15% or more!
- Check for discounts: Most insurers offer discounts for everything from good grades to staying accident-free—or even for buying a new vehicle!
- Enroll in a usage-based insurance program: Almost every major insurer offers usage-based programs that allow drivers to track their driving habits in real-time in exchange for potential discounts—and you’ll often get a discount just for signing up!
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
