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Average car insurance premium, collision rates, and theft data for the 2024 Kia Optima.
Avg Annual Premium
$1,500
$344 below avg vehicle
Vehicle Type
Sedan
Collision Rate
4.5%
Theft Rate
5.8%
| Metric | 2024 Kia Optima | All Vehicle Avg |
|---|---|---|
| Annual Premium | $1,500 | $1,844 |
| Collision Rate | 4.5% | 5.2% |
| Theft Rate | 5.8% | 3.6% |
The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.
Read our full methodology or contact us with corrections.