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2010 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 2010 Kia Optima are $1,204 a year for full coverage insurance. Comprehensive costs an estimated $202 each year, collision costs $288, and liability costs around $534. Buying a liability-only policy costs as low as $588 a year, with high-risk insurance costing around $2,596. Teenage drivers receive the highest rates at $4,806 a year or more.

Annual premium for full coverage: $1,204

Rate estimates for 2010 Kia Optima Insurance

Comprehensive $202
Collision $288
Liability $534

Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 middle-aged driver, prices range go from as low as $588 for a discount liability-only rate to a high rate of $2,596 for a high risk driver.

Liability Only $588
Full Coverage $1,204
High Risk $2,596

View Chart as Image

2010 Kia Optima insurance rates compared
Column chart showing 2010 Kia Optima insurance prices range from $724 to $4,806 for full coverage

These differences illustrate why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

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 2010 Kia Optima Insurance

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Want better auto insurance rates for your Kia Optima? Overpriced Kia Optima insurance can overdraw your savings account, especially in this economy. Comparing price quotes is free and is an excellent way to help make ends meet.

Consumers have many auto insurance companies to choose from, and even though it’s nice to have a selection, it makes it harder to find the lowest cost provider.

Compare Auto Insurance Today

Performing a rate comparison can be a daunting task if you aren’t aware of the most efficient way. You could waste a few hours talking about coverages with insurance companies in your area, or you could use the web for quick rates.

Many popular insurance companies participate in an industry program where prospective buyers only type in their quote data once, and at least one company then returns a price quote determined by their information. This saves time by eliminating form submissions to each individual auto insurance company. To get comparison pricing now click here (opens in new window).

The only drawback to pricing coverage this way is buyers cannot specifically choose which insurance companies you will receive quotes from. If you wish to select individual companies to compare, we have assembled a list of low cost auto insurance companies in your area. Click to view list.

However you get your quotes, ensure you’re using the exact same deductibles and coverage limits on every quote. If you enter different liability limits it’s impossible to find the best deal for your Kia Optima. Having just a slight variation in coverages can mean a large discrepancy in price. Just keep in mind that obtaining a wide range of quotes gives you a better chance of getting a better price.

You are unique and your insurance should be too

When choosing the right insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether your personal situation may require specific advice.

  • What exactly is covered by my policy?
  • How does medical payments coverage work?
  • What if I don’t agree with a claim settlement offer?
  • How high should deductibles be on a 2010 Kia Optima?
  • Which companies will insure high-risk drivers?
  • Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Free Auto Insurance Comparison

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

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Coverage specifics

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Kia Optima.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage

Med pay and PIP coverage kick in for expenses like dental work, funeral costs, EMT expenses and hospital visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, fire damage, hitting a deer and vandalism. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, crashing into a ditch, rolling your car, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to people or other property. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

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

Liability insurance covers claims such as structural damage, medical services, attorney fees, pain and suffering and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2010 Kia Optima Insurance Rates by City
City Premium
New York City, NY $1,902
Los Angeles, CA $2,058
Philadelphia, PA $1,607
Jacksonville, FL $1,747
Phoenix, AZ $1,403
Chicago, IL $1,613
Houston, TX $1,888
Seattle, WA $1,169
Columbus, OH $1,007
Indianapolis, IN $1,028

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2010 Kia Optima Insurance Rates by Driver Age
Driver Age Premium
16 $4,806
20 $2,760
30 $1,230
40 $1,204
50 $1,106
60 $1,082

Full coverage, $500 deductibles

Rates by Deductible

2010 Kia Optima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,418
$250 $1,320
$500 $1,204
$1,000 $1,094

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,204
50/100 $1,311
100/300 $1,444
250/500 $1,791
100 CSL $1,364
300 CSL $1,658
500 CSL $1,872

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Kia Optima Insurance Rates for High Risk Drivers
Age Premium
16 $6,786
20 $4,398
30 $2,622
40 $2,596
50 $2,482
60 $2,456

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 $163

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $65
Homeowner $21
5-yr Accident Free $76
5-yr Claim Free $76
Paid in Full/EFT $45
Advance Quote $54
Online Quote $82
Total Discounts $480
Rate after discounts $724

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

Find companies with the cheapest rates in your area

2010 Kia Optima Insurance Rates by State
State Premium
Alabama $1,088
Alaska $924
Arizona $1,002
Arkansas $1,204
California $1,372
Colorado $1,148
Connecticut $1,238
Delaware $1,362
Florida $1,506
Georgia $1,112
Hawaii $864
Idaho $816
Illinois $896
Indiana $910
Iowa $812
Kansas $1,144
Kentucky $1,644
Louisiana $1,784
Maine $744
Maryland $994
Massachusetts $962
Michigan $2,090
Minnesota $1,010
Mississippi $1,444
Missouri $1,068
Montana $1,294
Nebraska $952
Nevada $1,446
New Hampshire $870
New Jersey $1,348
New Mexico $1,066
New York $1,268
North Carolina $694
North Dakota $988
Ohio $832
Oklahoma $1,236
Oregon $1,104
Pennsylvania $1,148
Rhode Island $1,606
South Carolina $1,092
South Dakota $1,018
Tennessee $1,052
Texas $1,452
Utah $892
Vermont $826
Virginia $720
Washington $928
West Virginia $1,104
Wisconsin $834
Wyoming $1,072

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