2008 Kia Optima Insurance Rates

Finding the lowest price for auto insurance might seem complicated at first if you are a beginner to online rate quotes. Don't let that stop you because there is an easy way to compare rates. Lowering your auto insurance rates doesn't have to be difficult. All you need to do is take a few minutes comparing rates from different insurance companies. by clicking the button below.

Click to View Rates Effective July 18th, 2025

Auto insurance rates for your Kia Optima can be significantly different based upon several criteria. Taken into consideration are:

• High performance increases premiums
• Your accident report
• Bundling home and auto policies
• Pleasure, commute or business use
• Extra coverages like towing and rental
• No claims lowers premiums
• Professional memberships
• Whether you own your home

When trying to find the best rates, the only way to determine if local insurance agents or online providers are cheaper is to get rates from both and compare them. You may actually get a different price for the identical company if you compare an online quote to agent rates. But you can't find out which method provides the best price unless free rate quotes are compared each way. When quoting auto insurance, remember that obtaining a wide range of quotes will increase your chances of finding lower premiums for your Kia Optima. Some insurance companies that provide coverage for a 2008 Kia Optima are:

• Travelers
• The Hartford
• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

At least ten more insurance companies sell insurance in your state, so you should review premium costs from all available auto insurance companies to lower your rates.