2005 Kia Optima Insurance Rates

Saving money on auto insurance is challenging if you are a beginner to quoting online. But don't let that discourage you because it's easier than you think. Finding cheaper Optima coverage prices can be quick and easy. All you need to do is take the time comparing rates online from several insurance companies. by clicking the button below.

Click to View Rates Effective October 18th, 2025

Auto insurance rates for your Kia Optima can vary widely and are calculated by many factors. Taken into consideration are:

• More performance equals higher cost
• Your accident report
• Bundling home and auto policies
• Pleasure, commute or business use
• Your age
• Whether you are married
• Special coverage such as replacement cost
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

If you have the time, the only way to find out if car insurance prices are lower online or from agents is to take the time to compare rates from both. You could possible even receive different price quotes when getting a price from both an agent and online depending on if you quote online or with an agent. But you can't find out which method provides the best price until after comparing identical coverage quotes from both. It's important to know that more comparison quotes will increase your chances of finding the best offered rates. Some auto insurance companies that provide coverage for a 2005 Kia Optima are:

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

More auto insurance companies sell insurance in your location, so you should review cost estimates from all available car insurance companies to lower your rates.