2013 Kia Optima Insurance Rates

Finding the best price on auto insurance can seem like an uphill battle if you've never compared quoting online. But relax because it's easier than you think. Cutting your Optima rates doesn't have to be difficult. All you need to do is take a couple of minutes getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by clicking the button below.

Click to View Rates Effective October 18th, 2025

Auto insurance rates for your Kia Optima will vary greatly and are calculated by many factors. A few of these criteria are:

• The performance level of your Kia
• Your accident history
• Whether you insure your home with the same company
• Pleasure, commute or business use
• Your age
• Being married may save money
• Special coverage such as replacement cost
• No claims lowers premiums
• Being a member of certain organizations
• Whether you rent or own your home

Is it cheaper to buy online? The answer to that question is complicated because there are many factors that impact your rate calculation. Many people think that buying directly from the company saves by not paying a commission.
It's important to know that more comparison quotes will increase your chances of finding a better price. Some auto insurance companies that provide coverage for a 2013 Kia Optima are:

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

Lots more auto insurance companies sell insurance in your area, so you should review premium quotes for each insurance company in order to get the lowest rates.