2004 Kia Optima Insurance Rates

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Drivers have found rates as low as $42/month in the last few days!

Updated Nov 2024

Geico, short for Government Employees Insurance Company, is an American auto insurance company. It was founded... more

Geico, short for Government Employees Insurance Company, is an American auto insurance company. It was founded in 1936 and is currently headquartered in Chevy Chase, Maryland. Geico is known for its catchy advertising campaigns and its focus on providing affordable car insurance to a wide range of customers. The compan less

4.11

Excellent pricing $$$

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Updated Jan 2025

Learn more about USAA, what products they offer, what their consumers think about them and how they compare ag... more

Learn more about USAA, what products they offer, what their consumers think about them and how they compare against other carriers. less

4.68

Excellent pricing $$$

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Updated Jul 2024

Allstate's best-in-class products and services help provide innovative protection and retirement solutions to ... more

Allstate's best-in-class products and services help provide innovative protection and retirement solutions to millions of households nationwide.\n\nOur evolving business strategies and solutions continue to reinvent the industry standards, helping our customers better protect what they have today and prepare for a brig less

3.98

Average pricing $

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Updated Dec 2021

Learn more about Nationwide, what products they offer, what their consumers think about them and how they comp... more

Learn more about Nationwide, what products they offer, what their consumers think about them and how they compare against other carriers. less

4.00

Average pricing $

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if you've never compared online rate quotes. But relax because there is an easy way to compare rates. doesn't have to be difficult. You just need to getting comparison quotes online with multiple companies. by clicking the button below.

Click to View Rates Effective November 12th, 2026

Insurance rates paid to insure a 2004 Kia Optima can be significantly different subject to many criteria. Taken into consideration are:

High performance increases premiums
Your accident history
Bundling home and auto policies
How you use your vehicle
Optional coverages like vehicle replacement
Claims drive up premiums
Professional memberships
Owning a home can lower rates

is to get rates from both and compare them. It's even possible to receive different pricing for the identical company if you compare an online quote to agent rates. When quoting auto insurance, remember that obtaining a wide range of quotes will enable you to find . Car insurance companies near you that can insure a 2004 Kia Optima including but not limited to are: