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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 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.

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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.

Year16-19 yr old20-29 yr old30-39 yr old40-49 yr old50-59 yr old60+ yr old
2022N/A$92.23 / moN/AN/AN/AN/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

Kia 2020 Kia Optima Insurance Rates by Companies

Insurance Company12 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)

Kia 2019 Kia Optima Insurance Rates by Companies

Insurance Company12 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)

Kia 2018 Kia Optima Insurance Rates by Companies

Insurance Company12 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)

Kia 2017 Kia Optima Insurance Rates by Companies

Insurance Company12 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)

Kia 2016 Kia Optima Insurance Rates by Companies

Insurance Company12 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)

Kia 2015 Kia Optima Insurance Rates by Companies

Insurance Company12 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)

Kia 2014 Kia Optima Insurance Rates by Companies

Insurance Company12 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)

Kia 2013 Kia Optima Insurance Rates by Companies

Insurance Company12 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)

Kia 2012 Kia Optima Insurance Rates by Companies

Insurance Company12 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)

Kia 2011 Kia Optima Insurance Rates by Companies

Insurance Company12 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)

Kia 2010 Kia Optima Insurance Rates by Companies

Insurance Company12 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.