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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 |
| 2020 | $355.36 / mo | $241.85 / mo | $176.99 / mo | $174.62 / mo | $183.00 / mo | $184.85 / mo |
| 2019 | $257.26 / mo | $254.25 / mo | $173.39 / mo | $166.31 / mo | $167.06 / mo | $190.56 / mo |
| 2018 | $398.21 / mo | $243.86 / mo | $177.05 / mo | $176.30 / mo | $164.97 / mo | $162.18 / mo |
| 2017 | $273.64 / mo | $254.27 / mo | $203.73 / mo | $200.89 / mo | $135.00 / mo | $150.20 / mo |
| 2016 | $248.82 / mo | $224.36 / mo | $191.06 / mo | $159.76 / mo | $159.10 / mo | $176.84 / mo |
| 2015 | $286.62 / mo | $257.01 / mo | $188.74 / mo | $163.18 / mo | $146.68 / mo | $159.52 / mo |
| 2014 | $290.35 / mo | $210.62 / mo | $169.74 / mo | $168.00 / mo | $146.47 / mo | $142.57 / mo |
| 2013 | $479.49 / mo | $248.66 / mo | $169.46 / mo | $182.84 / mo | $146.64 / mo | $144.63 / mo |
| 2012 | $367.63 / mo | $230.88 / mo | $150.19 / mo | $136.03 / mo | $132.62 / mo | $128.94 / mo |
| 2011 | $262.60 / mo | $209.58 / mo | $174.68 / mo | $131.43 / mo | $123.17 / mo | $129.50 / mo |
| 2010 | $188.60 / mo | $141.03 / mo | $125.36 / mo | $92.44 / mo | $104.66 / mo | $127.76 / mo |
2020 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Auto Premier | $136.00 / year |
| Kemper Personal Insurance | $192.00 / year |
| Safeco | $271.00 / year |
| Mercury Insurance | $449.00 / year |
| NatGen Advantage | $1,072.00 / year |
| Titan | $1,113.00 / year |
| American National P | $1,120.00 / year |
| SECURA Insurance | $1,162.00 / year |
| Bear River | $1,215.00 / year |
| Indiana Farmers Mutual Ins | $1,222.00 / year |
2020 Kia Optima Insurance
Average Cost to Insure
$579.07 / year
Cheapest Rate
$136.00 / year Kemper Auto Premier
Available Trims
EX 4dr SEDAN (4cyl)
2019 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $169.00 / year |
| Kemper Auto Premier | $241.00 / year |
| Kemper Personal Insurance | $401.00 / year |
| Dairyland FR Bond | $508.00 / year |
| American National P | $801.00 / year |
| NatGen PPA | $881.00 / year |
| Mercury Insurance | $1,071.00 / year |
| MMG Insurance Company | $1,141.00 / year |
| Concord Group | $1,154.00 / year |
| Indiana Farmers Mutual Ins | $1,197.00 / year |
2019 Kia Optima Insurance
Average Cost to Insure
$546.40 / year
Cheapest Rate
$169.00 / year Safeco
Available Trims
EX 4dr SEDAN (4cyl)
2018 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $79.00 / year |
| Kemper Auto Premium | $114.00 / year |
| Kemper Personal Insurance | $225.00 / year |
| Plymouth Rock | $238.00 / year |
| Mercury Insurance | $570.00 / year |
| NatGen Advantage | $664.00 / year |
| American National P&C | $848.00 / year |
| AssuranceAmerica | $916.00 / year |
| NatGen PPA | $948.00 / year |
| Utica National Ins Group | $1,109.00 / year |
2018 Kia Optima Insurance
Average Cost to Insure
$390.10 / year
Cheapest Rate
$79.00 / year Safeco
Available Trims
EX 4dr SEDAN (4cyl)
2017 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $215.00 / year |
| Mercury Insurance | $649.00 / year |
| National General RAD | $698.00 / year |
| NatGen PPA | $860.00 / year |
| AssuranceAmerica Economy | $929.00 / year |
| Kemper Auto Premier | $975.00 / year |
| MMG Insurance Company | $1,062.00 / year |
| SECURA Insurance | $1,126.00 / year |
| Concord Group | $1,167.00 / year |
| AssuranceAmerica | $1,224.00 / year |
2017 Kia Optima Insurance
Average Cost to Insure
$520.13 / year
Cheapest Rate
$215.00 / year Safeco
Available Trims
EX 4dr SEDAN (4cyl)
2016 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $141.00 / year |
| Kemper Auto Premium | $312.00 / year |
| AssuranceAmerica Mobile Max | $338.00 / year |
| Dairyland Broadform | $792.00 / year |
| Mercury Insurance | $826.00 / year |
| AssuranceAmerica | $831.00 / year |
| Mercury Insurance Company | $909.00 / year |
| American National P | $1,006.00 / year |
| Utica National Ins Group | $1,026.00 / year |
| NatGen Advantage | $1,026.00 / year |
2016 Kia Optima Insurance
Average Cost to Insure
$429.73 / year
Cheapest Rate
$141.00 / year Safeco
Available Trims
EX 4dr SEDAN (4cyl)
2015 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| AssuranceAmerica Mobile Max | $100.00 / year |
| Safeco | $131.00 / year |
| Kemper Auto Premium | $181.00 / year |
| Dairyland Auto 1 Month | $291.00 / year |
| Dairyland Broadform | $470.00 / year |
| Kemper Auto Premier | $506.00 / year |
| Dairyland FR Bond | $628.00 / year |
| Mercury Insurance | $716.00 / year |
| American National P | $783.00 / year |
| NatGen PPA | $803.00 / year |
2015 Kia Optima Insurance
Average Cost to Insure
$543.40 / year
Cheapest Rate
$100.00 / year AssuranceAmerica Mobile Max
Available Trims
EX 4dr SEDAN (4cyl)
2014 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $98.00 / year |
| Kemper Personal Insurance | $274.00 / year |
| Kemper Auto Premier | $716.00 / year |
| Dairyland FR Bond | $739.00 / year |
| AssuranceAmerica Mobile Max | $759.00 / year |
| Mercury Insurance | $819.00 / year |
| American National P | $850.00 / year |
| Mercury Insurance Company | $884.00 / year |
| Concord Group | $890.00 / year |
| Buckeye Insurance Group | $911.00 / year |
2014 Kia Optima Insurance
Average Cost to Insure
$437.70 / year
Cheapest Rate
$98.00 / year Safeco
Available Trims
EX 4dr SEDAN (4cyl)
2013 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $75.00 / year |
| Kemper Personal Insurance | $92.00 / year |
| Dairyland Auto 1 Month | $209.00 / year |
| AssuranceAmerica Mobile Max | $354.00 / year |
| Dairyland FR Bond | $414.00 / year |
| Dairyland Broadform | $477.00 / year |
| Mercury Insurance | $673.00 / year |
| Concord Group | $719.00 / year |
| Commerce Group Inc | $733.00 / year |
| Kemper Auto Premier | $742.00 / year |
2013 Kia Optima Insurance
Average Cost to Insure
$493.30 / year
Cheapest Rate
$75.00 / year Safeco
Available Trims
EX 4dr SEDAN (4cyl)
2012 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Mercury Insurance | $73.00 / year |
| Safeco | $127.00 / year |
| Kemper Auto Premier | $322.00 / year |
| Concord Group | $784.00 / year |
| Utica National Ins Group | $798.00 / year |
| MMG Insurance Company | $859.00 / year |
| Infinity Special | $859.00 / year |
| PEMCO | $927.00 / year |
| American National P | $928.00 / year |
| Kemper Personal Insurance | $983.00 / year |
2012 Kia Optima Insurance
Average Cost to Insure
$543.57 / year
Cheapest Rate
$73.00 / year Mercury Insurance
Available Trims
EX 4dr SEDAN (4cyl)
2011 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $16.00 / year |
| Mercury Insurance | $289.00 / year |
| NatGen PPA | $441.00 / year |
| Kemper Personal Insurance | $536.00 / year |
| North Carolina Farm Bureau | $603.00 / year |
| American National P | $640.00 / year |
| Concord Group | $710.00 / year |
| MMG Insurance Company | $750.00 / year |
| SECURA Insurance | $880.00 / year |
| Patriot Group | $939.00 / year |
2011 Kia Optima Insurance
Average Cost to Insure
$434.40 / year
Cheapest Rate
$16.00 / year Safeco
Available Trims
EX 4dr SEDAN (4cyl)
2010 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Auto Premier | $593.00 / year |
| MMG Insurance Company | $704.00 / year |
| Concord Group | $750.00 / year |
| SECURA Insurance | $775.00 / year |
| Clearcover | $790.00 / year |
| North Carolina Farm Bureau | $795.00 / year |
| American National P | $804.00 / year |
| PEMCO | $808.00 / year |
| Kemper Premium | $834.00 / year |
| Infinity Special | $881.00 / year |
2010 Kia Optima Insurance
Average Cost to Insure
$487.87 / year
Cheapest Rate
$593.00 / year Kemper Auto Premier
Available Trims
EX 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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
