How much does car insurance cost for your Kia Optima? We collected quotes from thousands of drivers to find cheapest rate.
How much does car insurance cost for Kia Optima? Your age, location, driving history, education and marital status all play a major factor in the price you pay to insure your vehicle. We analyzed our car insurance rate data and calculated the average rate that you can expect to pay based on your age. We also looked at the average rate that some of the top car insurance companies are charging drivers. Keep in mind, these are just average and your actual price may vary. Check out more information about the Kia Optima below.
The price you pay to insure your Kia Optima can vary based on your age group. Here are the average rates you can expect to pay.
Year | 16-19 yr old | 20-29 yr old | 30-39 yr old | 40-49 yr old | 50-59 yr old | 60+ yr old |
2023 | N/A | N/A | N/A | N/A | $130.52 / mo | N/A |
2022 | N/A | $92.23 / mo | N/A | $215.95 / mo | N/A | $234.20 / mo |
2021 | N/A | N/A | N/A | N/A | N/A | $115.72 / mo |
2020 | $353.69 / mo | $232.23 / mo | $160.60 / mo | $160.85 / mo | $162.52 / mo | $162.47 / mo |
2019 | $272.23 / mo | $229.53 / mo | $163.19 / mo | $148.77 / mo | $144.10 / mo | $156.57 / mo |
2018 | $365.41 / mo | $218.36 / mo | $159.85 / mo | $149.49 / mo | $142.16 / mo | $149.96 / mo |
2017 | $307.86 / mo | $223.05 / mo | $165.45 / mo | $165.34 / mo | $130.01 / mo | $144.07 / mo |
2016 | $311.31 / mo | $210.25 / mo | $159.08 / mo | $143.74 / mo | $136.69 / mo | $151.66 / mo |
2015 | $323.69 / mo | $216.17 / mo | $157.81 / mo | $141.43 / mo | $127.26 / mo | $138.85 / mo |
2014 | $326.93 / mo | $200.97 / mo | $143.79 / mo | $141.01 / mo | $120.79 / mo | $127.13 / mo |
2013 | $324.83 / mo | $207.27 / mo | $148.71 / mo | $133.33 / mo | $121.82 / mo | $122.59 / mo |
2012 | $306.91 / mo | $189.86 / mo | $138.21 / mo | $123.46 / mo | $114.40 / mo | $122.28 / mo |
2011 | $315.52 / mo | $190.52 / mo | $140.30 / mo | $125.16 / mo | $106.02 / mo | $113.68 / mo |
2010 | $274.49 / mo | $161.68 / mo | $141.27 / mo | $111.47 / mo | $90.64 / mo | $106.16 / mo |
Insurance Company | 12 month Premium |
Allied | $861.00 / year |
Unigard | $1,412.00 / year |
Metropolitan | $2,139.00 / year |
Farmers | $2,279.00 / year |
Average Cost to Insure
$1,560.00 / year
Cheapest Rate
$861.00 / year Allied
Available Trims
EX 4dr SEDAN (4cyl)
Insurance Company | 12 month Premium |
Direct Auto | $1,106.00 / year |
Mercury | $2,025.00 / year |
Nationwide | $2,303.00 / year |
Direct General Insurance | $3,145.00 / year |
Metropolitan | $3,259.00 / year |
Travelers | $3,312.00 / year |
Unitrin | $4,689.00 / year |
Average Cost to Insure
$2,328.00 / year
Cheapest Rate
$1,106.00 / year Direct Auto
Available Trims
EX 4dr SEDAN (4cyl)
Insurance Company | 12 month Premium |
Capital Insurance Group | $978.00 / year |
Sentry | $1,134.00 / year |
USAA | $1,147.00 / year |
Oregon Mutual | $1,172.00 / year |
Allied | $1,182.00 / year |
Mutual Of Enumclaw | $1,211.00 / year |
Clearcover | $1,274.00 / year |
Travelers | $1,332.00 / year |
Unigard | $1,338.00 / year |
Unitrin | $1,450.00 / year |
Average Cost to Insure
$1,380.00 / year
Cheapest Rate
$978.00 / year Capital Insurance Group
Available Trims
EX 4dr SEDAN (4cyl)
Insurance Company | 12 month Premium |
Kemper Auto Premier | $117.00 / year |
Kemper Personal Insurance | $175.00 / year |
Jupiter Auto Insurance | $467.00 / year |
SAFECO | $506.00 / year |
Mercury Insurance | $600.00 / year |
American National P&C | $730.00 / year |
NatGen PPA | $851.00 / year |
Dairyland Broadform | $1,134.00 / year |
Ameriprise Group | $1,172.00 / year |
American National P | $1,194.00 / year |
Average Cost to Insure
$585.43 / year
Cheapest Rate
$117.00 / year Kemper Auto Premier
Available Trims
EX 4dr SEDAN (4cyl)
Insurance Company | 12 month Premium |
Kemper Auto Premier | $310.00 / year |
Kemper Personal Insurance | $316.00 / year |
Jupiter Auto Insurance | $475.00 / year |
SAFECO | $699.00 / year |
American National P&C | $843.00 / year |
American National P | $936.00 / year |
Concord Group | $1,072.00 / year |
MMG Insurance Company | $1,103.00 / year |
General Casualty | $1,214.00 / year |
Bear River | $1,215.00 / year |
Average Cost to Insure
$676.70 / year
Cheapest Rate
$310.00 / year Kemper Auto Premier
Available Trims
EX 4dr SEDAN (4cyl)
Insurance Company | 12 month Premium |
Kemper Personal Insurance | $191.00 / year |
Dairyland Auto 1 Month | $228.00 / year |
Plymouth Rock | $238.00 / year |
SAFECO | $386.00 / year |
Jupiter Auto Insurance | $502.00 / year |
NatGen Advantage | $605.00 / year |
Mercury Insurance | $720.00 / year |
American National P&C | $741.00 / year |
NatGen PPA | $948.00 / year |
AssuranceAmerica | $952.00 / year |
Average Cost to Insure
$485.93 / year
Cheapest Rate
$191.00 / year Kemper Personal Insurance
Available Trims
EX 4dr SEDAN (4cyl)
Insurance Company | 12 month Premium |
SAFECO | $548.00 / year |
Mercury Insurance | $728.00 / year |
Kemper Auto Premier | $747.00 / year |
Bear River | $761.00 / year |
Jupiter Auto Insurance | $822.00 / year |
AssuranceAmerica Economy | $929.00 / year |
EMC Insurance | $1,044.00 / year |
General Casualty | $1,066.00 / year |
American National P | $1,070.00 / year |
NatGen PPA | $1,072.00 / year |
Average Cost to Insure
$448.77 / year
Cheapest Rate
$548.00 / year SAFECO
Available Trims
EX 4dr SEDAN (4cyl)
Insurance Company | 12 month Premium |
Kemper Personal Insurance | $78.00 / year |
AssuranceAmerica Mobile Max | $338.00 / year |
Jupiter Auto Insurance | $368.00 / year |
SAFECO | $510.00 / year |
Dairyland FR Bond | $674.00 / year |
AssuranceAmerica | $831.00 / year |
Mercury Insurance | $984.00 / year |
Dairyland Broadform | $1,005.00 / year |
American National P | $1,034.00 / year |
Union Mutual Fire Group | $1,155.00 / year |
Average Cost to Insure
$474.17 / year
Cheapest Rate
$78.00 / year Kemper Personal Insurance
Available Trims
EX 4dr SEDAN (4cyl)
Insurance Company | 12 month Premium |
Kemper Personal Insurance | $22.00 / year |
AssuranceAmerica Mobile Max | $100.00 / year |
Kemper Auto Premier | $299.00 / year |
Jupiter Auto Insurance | $356.00 / year |
SAFECO | $377.00 / year |
Dairyland Auto 1 Month | $380.00 / year |
Dairyland FR Bond | $496.00 / year |
Dairyland Broadform | $508.00 / year |
American National P | $826.00 / year |
NatGen PPA | $915.00 / year |
Average Cost to Insure
$544.50 / year
Cheapest Rate
$22.00 / year Kemper Personal Insurance
Available Trims
EX 4dr SEDAN (4cyl)
Insurance Company | 12 month Premium |
Kemper Personal Insurance | $212.00 / year |
Jupiter Auto Insurance | $279.00 / year |
SAFECO | $421.00 / year |
Kemper Auto Premier | $586.00 / year |
Dairyland FR Bond | $739.00 / year |
AssuranceAmerica Mobile Max | $759.00 / year |
Union Mutual Fire Group | $789.00 / year |
Concord Group | $837.00 / year |
Dairyland Broadform | $858.00 / year |
American National P&C | $903.00 / year |
Average Cost to Insure
$452.57 / year
Cheapest Rate
$212.00 / year Kemper Personal Insurance
Available Trims
EX 4dr SEDAN (4cyl)
Insurance Company | 12 month Premium |
Kemper Personal Insurance | $140.00 / year |
Dairyland Auto 1 Month | $209.00 / year |
AssuranceAmerica Mobile Max | $354.00 / year |
SAFECO | $393.00 / year |
Dairyland FR Bond | $414.00 / year |
Jupiter Auto Insurance | $418.00 / year |
Dairyland Broadform | $432.00 / year |
Kemper Auto Premier | $684.00 / year |
Concord Group | $691.00 / year |
Commerce Group Inc | $743.00 / year |
Average Cost to Insure
$486.20 / year
Cheapest Rate
$140.00 / year Kemper Personal Insurance
Available Trims
EX 4dr SEDAN (4cyl)
Insurance Company | 12 month Premium |
Kemper Auto Premier | $193.00 / year |
SAFECO | $435.00 / year |
Jupiter Auto Insurance | $483.00 / year |
Mercury Insurance | $493.00 / year |
Union Mutual Fire Group | $719.00 / year |
American National P&C | $747.00 / year |
Concord Group | $816.00 / year |
Kemper Personal Insurance | $866.00 / year |
Utica National Ins Group | $955.00 / year |
North Carolina Farm Bureau | $982.00 / year |
Average Cost to Insure
$578.97 / year
Cheapest Rate
$193.00 / year Kemper Auto Premier
Available Trims
EX 4dr SEDAN (4cyl)
Insurance Company | 12 month Premium |
Jupiter Auto Insurance | $111.00 / year |
Kemper Personal Insurance | $449.00 / year |
SAFECO | $469.00 / year |
American National P&C | $538.00 / year |
Co-Operative Ins Companies | $627.00 / year |
American National P | $641.00 / year |
North Carolina Farm Bureau | $831.00 / year |
Concord Group | $847.00 / year |
EMC Insurance | $873.00 / year |
SECURA Insurance | $904.00 / year |
Average Cost to Insure
$436.37 / year
Cheapest Rate
$111.00 / year Jupiter Auto Insurance
Available Trims
EX 4dr SEDAN (4cyl)
Insurance Company | 12 month Premium |
Mercury Insurance | $56.00 / year |
SAFECO | $69.00 / year |
Jupiter Auto Insurance | $128.00 / year |
NatGen Value | $214.00 / year |
American National P&C | $513.00 / year |
American National P | $760.00 / year |
Infinity Special | $789.00 / year |
Kemper Auto Premier | $791.00 / year |
Mercury Insurance Company | $837.00 / year |
Clearcover | $868.00 / year |
Average Cost to Insure
$448.23 / year
Cheapest Rate
$56.00 / year Mercury Insurance
Available Trims
EX 4dr SEDAN (6cyl)
Wondering how the Optima compares to other Kia Models? Check out the average rates for each vehicle below.
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.