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Kia Optima Car Insurance
How much does car insurance cost for your Kia Optima? We collected quotes from thousands of drivers to find cheapest rate.
Compare Car Insurance Rates for Your Optima
What is the Average Cost to Insure a Kia Optima?
Kia Optima
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.
Kia Optima Insurance Model Year by Age Group
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 |
| 2022 | N/A | $92.23 / mo | N/A | N/A | N/A | N/A |
| 2020 | $222.63 / mo | $195.80 / mo | $134.75 / mo | $148.72 / mo | $151.65 / mo | $128.11 / mo |
| 2019 | $298.15 / mo | $171.39 / mo | $133.19 / mo | $130.71 / mo | $117.88 / mo | $122.06 / mo |
| 2018 | $324.39 / mo | $164.56 / mo | $131.48 / mo | $121.74 / mo | $115.11 / mo | $130.22 / mo |
| 2017 | $283.01 / mo | $210.20 / mo | $155.52 / mo | $151.41 / mo | $140.66 / mo | $142.34 / mo |
| 2016 | $399.70 / mo | $200.17 / mo | $147.53 / mo | $132.25 / mo | $127.38 / mo | $147.25 / mo |
| 2015 | $317.50 / mo | $203.11 / mo | $155.16 / mo | $136.79 / mo | $115.52 / mo | $130.85 / mo |
| 2014 | $343.42 / mo | $201.82 / mo | $141.19 / mo | $140.54 / mo | $111.09 / mo | $115.48 / mo |
| 2013 | $307.92 / mo | $189.28 / mo | $138.61 / mo | $114.04 / mo | $123.57 / mo | $111.60 / mo |
| 2012 | $287.04 / mo | $173.36 / mo | $140.69 / mo | $122.97 / mo | $104.16 / mo | $112.19 / mo |
| 2011 | $315.38 / mo | $197.77 / mo | $145.58 / mo | $124.37 / mo | $119.86 / mo | $113.15 / mo |
| 2010 | $313.48 / mo | $173.52 / mo | $219.81 / mo | $130.90 / mo | $86.35 / mo | $102.63 / mo |
2020 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P&C | $730.00 / year |
| Partners Mutual Insurance Co | $1,008.00 / year |
| West Bend Mutual | $1,008.00 / year |
| Titan | $1,120.00 / year |
| Rural Mutual Insurance | $1,136.00 / year |
| Pekin Insurance | $1,158.00 / year |
| Ameriprise Group | $1,172.00 / year |
| Western National | $1,194.00 / year |
| EMC Insurance | $1,272.00 / year |
| New Jersey Manufacturers | $1,294.00 / year |
2020 Kia Optima Insurance
Average Cost to Insure
$1,373.97 / year
Cheapest Rate
$730.00 / year American National P&C
Available Trims
EX 4dr SEDAN (4cyl),LX 4dr SEDAN (4cyl),SX 4dr SEDAN (4cyl),HYBRID EX 4dr SEDAN (4cyl),PLUG IN HYBRID EX 4dr SEDAN (4cyl),HYBRID LX 4dr SEDAN (4cyl)
2019 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P&C | $843.00 / year |
| Direct Auto | $1,152.00 / year |
| General Casualty | $1,214.00 / year |
| Bear River | $1,215.00 / year |
| North Carolina Farm Bureau | $1,350.00 / year |
| Titan | $1,379.00 / year |
| Oregon Mutual | $1,382.00 / year |
| Rural Mutual Insurance | $1,408.00 / year |
| Utica National Ins Group | $1,413.00 / year |
| Pekin Insurance | $1,441.00 / year |
2019 Kia Optima Insurance
Average Cost to Insure
$1,619.47 / year
Cheapest Rate
$843.00 / year American National P&C
Available Trims
EX 4dr SEDAN (4cyl),HYBRID 4dr WAGON (4cyl),LX 4dr SEDAN (4cyl),SX 4dr SEDAN (4cyl),PLUG-IN HYBRID 4dr WAGON (4cyl),SXL 4dr SEDAN (4cyl)
2018 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P&C | $706.00 / year |
| Direct Auto | $1,122.00 / year |
| West Bend Mutual | $1,137.00 / year |
| North Carolina Farm Bureau | $1,241.00 / year |
| New Jersey Manufacturers | $1,283.00 / year |
| Plymouth Rock Assurance | $1,353.00 / year |
| Virginia Farm Bureau | $1,360.00 / year |
| Buckeye Insurance Group | $1,420.00 / year |
| Utica National Ins Group | $1,488.00 / year |
| USAA | $1,507.00 / year |
2018 Kia Optima Insurance
Average Cost to Insure
$1,681.40 / year
Cheapest Rate
$706.00 / year American National P&C
Available Trims
EX 4dr SEDAN (4cyl),HYBRID 4dr WAGON (4cyl),LX 4dr SEDAN (4cyl),SX 4dr SEDAN (4cyl),PLUG-IN HYBRID 4dr WAGON (4cyl),SXL 4dr SEDAN (4cyl)
2017 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $543.00 / year |
| Bear River | $761.00 / year |
| Clearcover | $963.00 / year |
| General Casualty | $1,066.00 / year |
| Mutual Of Enumclaw | $1,194.00 / year |
| Direct Auto | $1,224.00 / year |
| Indiana Farmers Mutual Ins | $1,227.00 / year |
| Oregon Mutual | $1,233.00 / year |
| New Jersey Manufacturers | $1,266.00 / year |
| Concord Group | $1,300.00 / year |
2017 Kia Optima Insurance
Average Cost to Insure
$1,482.87 / year
Cheapest Rate
$543.00 / year American National P
Available Trims
EX 4dr SEDAN (4cyl),HYBRID 4dr WAGON (4cyl),LX 4dr SEDAN (4cyl),SX 4dr SEDAN (4cyl),PLUG-IN HYBRID 4dr WAGON (4cyl),SXL 4dr SEDAN (4cyl)
2016 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Virginia Farm Bureau | $941.00 / year |
| Safety Group | $1,038.00 / year |
| Buckeye Insurance Group | $1,082.00 / year |
| Utica National Ins Group | $1,108.00 / year |
| North Carolina Farm Bureau | $1,146.00 / year |
| Clearcover | $1,160.00 / year |
| American National P&C | $1,174.00 / year |
| Bear River | $1,209.00 / year |
| Farm Bureau Mutual (IA Group) | $1,253.00 / year |
| Capital Insurance Group | $1,296.00 / year |
2016 Kia Optima Insurance
Average Cost to Insure
$1,382.30 / year
Cheapest Rate
$941.00 / year Virginia Farm Bureau
Available Trims
EX 4dr SEDAN (4cyl),HYBRID 4dr SEDAN (4cyl),LX 4dr SEDAN (4cyl),SX 4dr SEDAN (4cyl),SXL 4dr SEDAN (4cyl)
2015 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Georgia Farm Bureau | $615.00 / year |
| ACCC Insurance Company | $792.00 / year |
| Virginia Farm Bureau | $937.00 / year |
| Auto-Owners Insurance Co | $985.00 / year |
| Plymouth Rock Assurance | $1,023.00 / year |
| Clearcover | $1,026.00 / year |
| Western National | $1,074.00 / year |
| Atlantic States Insurance | $1,100.00 / year |
| ALFA | $1,140.00 / year |
| Cameron Mutual Group | $1,146.00 / year |
2015 Kia Optima Insurance
Average Cost to Insure
$1,321.97 / year
Cheapest Rate
$615.00 / year Georgia Farm Bureau
Available Trims
EX 4dr SEDAN (4cyl),HYBRID 4dr SEDAN (4cyl),LX 4dr SEDAN (4cyl),SX 4dr SEDAN (4cyl), 4dr SEDAN (4cyl)
2014 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| MMG Insurance Company | $735.00 / year |
| Concord Group | $743.00 / year |
| Virginia Farm Bureau | $807.00 / year |
| American National P&C | $903.00 / year |
| Kentucky Farm Bureau | $928.00 / year |
| Countryway Insurance | $933.00 / year |
| Utica National Ins Group | $946.00 / year |
| North Carolina Farm Bureau | $993.00 / year |
| Titan | $1,080.00 / year |
| New Jersey Manufacturers | $1,087.00 / year |
2014 Kia Optima Insurance
Average Cost to Insure
$1,168.47 / year
Cheapest Rate
$735.00 / year MMG Insurance Company
Available Trims
EX 4dr SEDAN (4cyl),HYBRID 4dr SEDAN (4cyl),LX 4dr SEDAN (4cyl),SX 4dr SEDAN (4cyl)
2013 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P&C | $783.00 / year |
| IMT Insurance Company | $969.00 / year |
| North Carolina Farm Bureau | $969.00 / year |
| Bear River | $1,029.00 / year |
| Ohio Mutual Ins Group | $1,044.00 / year |
| Virginia Farm Bureau | $1,044.00 / year |
| Clearcover | $1,094.00 / year |
| Buckeye Insurance Group | $1,113.00 / year |
| Titan | $1,152.00 / year |
| SECURA Insurance | $1,158.00 / year |
2013 Kia Optima Insurance
Average Cost to Insure
$1,302.33 / year
Cheapest Rate
$783.00 / year American National P&C
Available Trims
EX 4dr SEDAN (4cyl),HYBRID 4dr SEDAN (4cyl),LX 4dr SEDAN (4cyl),SX 4dr SEDAN (4cyl)
2012 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Concord Group | $731.00 / year |
| American National P&C | $747.00 / year |
| Pekin Insurance | $938.00 / year |
| Patriot Group | $957.00 / year |
| North Carolina Farm Bureau | $988.00 / year |
| Clearcover | $994.00 / year |
| MMG Insurance Company | $1,005.00 / year |
| Utica National Ins Group | $1,023.00 / year |
| Rockford Mutual Insurance | $1,048.00 / year |
| Countryway Insurance | $1,081.00 / year |
2012 Kia Optima Insurance
Average Cost to Insure
$1,149.77 / year
Cheapest Rate
$731.00 / year Concord Group
Available Trims
EX 4dr SEDAN (4cyl),HYBRID 4dr SEDAN (4cyl),LX 4dr SEDAN (4cyl),SX 4dr SEDAN (4cyl)
2011 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P&C | $538.00 / year |
| American National P | $540.00 / year |
| Co-Operative Ins Companies | $627.00 / year |
| Concord Group | $654.00 / year |
| Norfolk and Dedham Group | $660.00 / year |
| Pekin Insurance | $785.00 / year |
| Oregon Mutual | $837.00 / year |
| North Carolina Farm Bureau | $882.00 / year |
| Plymouth Rock Assurance | $890.00 / year |
| Farm Bureau Mutual (IA Group) | $907.00 / year |
2011 Kia Optima Insurance
Average Cost to Insure
$1,045.53 / year
Cheapest Rate
$538.00 / year American National P&C
Available Trims
EX 4dr SEDAN (4cyl),HYBRID 4dr SEDAN (4cyl),LX 4dr SEDAN (4cyl),SX 4dr SEDAN (4cyl)
2010 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Capital Insurance Group | $351.00 / year |
| American National P&C | $513.00 / year |
| IMT Insurance Company | $675.00 / year |
| Safety Group | $753.00 / year |
| Arbella Insurance Group | $881.00 / year |
| Preferred Mutual | $881.00 / year |
| SAFECO | $883.00 / year |
| Partners Mutual Insurance Co | $885.00 / year |
| Farm Bureau Mutual (IA Group) | $930.00 / year |
| Southern Farm Bureau | $944.00 / year |
2010 Kia Optima Insurance
Average Cost to Insure
$1,081.50 / year
Cheapest Rate
$351.00 / year Capital Insurance Group
Available Trims
EX 4dr SEDAN (6cyl),LX 4dr SEDAN (6cyl)
Compare Optima to other Kia Models
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.