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2009 Kia Optima Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 24, 2020

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Average insurance rates for a 2009 Kia Optima are $1,168 a year including full coverage. Comprehensive insurance costs an estimated $186, collision insurance costs $268, and liability costs $534. Buying a liability-only policy costs as little as $588 a year, and high-risk insurance costs $2,520 or more. Teen drivers receive the highest rates at up to $4,702 a year.

Annual premium for full coverage: $1,168

Rate estimates for 2009 Kia Optima Insurance

Comprehensive $186
Collision $268
Liability $534

Rate data is compiled from all 50 U.S. states and averaged for all 2009 Kia Optima models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $588 for a discount liability-only rate to the much higher price of $2,520 for a driver who has had serious violations or accidents.

Liability Only $588
Full Coverage $1,168
High Risk $2,520

View Chart as Image

2009 Kia Optima insurance rates compared
Column chart showing 2009 Kia Optima insurance prices range from $706 to $4,702 for full coverage

These differences highlight why everyone should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2009 Kia Optima Insurance

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Consumers have many options when looking for the lowest priced Kia Optima insurance. They can either spend hours driving around to compare prices or utilize the internet to compare rates. There are more efficient ways to find car insurance online so you’re going to learn the absolute fastest way to get price quotes on a Kia and obtain the lowest price from both online companies and local agents.

If you are insured now or need new coverage, you can learn to cut your premiums and still get good coverage. The purpose of this post is to help you learn the most effective way to quote insurance. Vehicle owners just need to understand the most efficient way to compare rates over the internet.

Compare Insurance Today

Finding cheaper 2009 Kia Optima insurance prices isn’t really that difficult. You just need to spend a few minutes to get quotes online from several insurance companies. This can be accomplished using a couple different methods.

  1. The fastest way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This method keeps you from doing multiple quote forms for each company. A single, simple form will get you rate comparisons from several companies. Recommended for those who want to invest the least amount of time.
  2. A more difficult way to analyze rates is spending the time to visit each company website and complete a new quote form. For instance, let’s say you want to compare rates from Auto-Owners, GEICO and American Family. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

However you get your quotes, make sure you use exactly the same coverage limits for every company. If you use mixed coverages it’s not possible to find the best deal for your Kia Optima.

You are unique and your car insurance should be too

When choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different.

For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I have combined single limit or split liability limits?
  • Where can I find high-risk insurance?
  • Where can I find DUI or SR-22 insurance?
  • When would I need additional glass coverage?
  • Is rental equipment covered for theft or damage?
  • Do I pay less for low miles?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Free Auto Insurance Comparison

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Insurance coverage breakdown

Understanding the coverages of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, driving through your garage door, crashing into a building, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Kia Optima.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, damage from flooding, hitting a bird and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability coverage provides protection from damage that occurs to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like repair bills for other people’s vehicles, funeral expenses, pain and suffering, bail bonds and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for bills for things like rehabilitation expenses, surgery, X-ray expenses, ambulance fees and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2009 Kia Optima Insurance Rates by City
City Premium
New York City, NY $1,845
Los Angeles, CA $2,001
Philadelphia, PA $1,560
Jacksonville, FL $1,696
Phoenix, AZ $1,361
Chicago, IL $1,566
Houston, TX $1,830
Seattle, WA $1,134
Columbus, OH $975
Indianapolis, IN $997

Need a specific model?

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Rates by Driver Age

2009 Kia Optima Insurance Rates by Driver Age
Driver Age Premium
16 $4,702
20 $2,682
30 $1,192
40 $1,168
50 $1,074
60 $1,052

Full coverage, $500 deductibles

Rates by Deductible

2009 Kia Optima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,366
$250 $1,276
$500 $1,168
$1,000 $1,064

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,168
50/100 $1,275
100/300 $1,408
250/500 $1,755
100 CSL $1,328
300 CSL $1,622
500 CSL $1,836

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Kia Optima Insurance Rates for High Risk Drivers
Age Premium
16 $6,634
20 $4,274
30 $2,544
40 $2,520
50 $2,412
60 $2,388

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $158

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $63
Homeowner $21
5-yr Accident Free $72
5-yr Claim Free $73
Paid in Full/EFT $43
Advance Quote $52
Online Quote $79
Total Discounts $462
Rate after discounts $706

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2009 Kia Optima Insurance Rates by State
State Premium
Alabama $1,056
Alaska $898
Arizona $972
Arkansas $1,168
California $1,334
Colorado $1,114
Connecticut $1,202
Delaware $1,324
Florida $1,462
Georgia $1,080
Hawaii $838
Idaho $792
Illinois $870
Indiana $882
Iowa $788
Kansas $1,110
Kentucky $1,596
Louisiana $1,730
Maine $724
Maryland $966
Massachusetts $934
Michigan $2,028
Minnesota $978
Mississippi $1,400
Missouri $1,036
Montana $1,254
Nebraska $924
Nevada $1,404
New Hampshire $844
New Jersey $1,308
New Mexico $1,036
New York $1,230
North Carolina $674
North Dakota $960
Ohio $806
Oklahoma $1,198
Oregon $1,072
Pennsylvania $1,114
Rhode Island $1,560
South Carolina $1,060
South Dakota $988
Tennessee $1,022
Texas $1,408
Utah $864
Vermont $802
Virginia $698
Washington $900
West Virginia $1,072
Wisconsin $810
Wyoming $1,040

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