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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 |
| 2021 | N/A | N/A | N/A | N/A | N/A | $106.20 / mo |
| 2020 | $222.63 / mo | $179.46 / mo | $114.08 / mo | $110.01 / mo | $150.77 / mo | $91.05 / mo |
| 2019 | $221.71 / mo | $153.56 / mo | $119.27 / mo | $118.30 / mo | $111.26 / mo | $104.46 / mo |
| 2018 | $295.53 / mo | $154.36 / mo | $119.37 / mo | $112.09 / mo | $109.02 / mo | $134.95 / mo |
| 2017 | $252.86 / mo | $195.96 / mo | $141.22 / mo | $139.74 / mo | $121.63 / mo | $135.34 / mo |
| 2016 | $364.49 / mo | $187.13 / mo | $143.22 / mo | $123.81 / mo | $119.66 / mo | $138.94 / mo |
| 2015 | $295.23 / mo | $188.07 / mo | $144.68 / mo | $128.24 / mo | $109.91 / mo | $122.81 / mo |
| 2014 | $328.61 / mo | $186.29 / mo | $133.43 / mo | $131.25 / mo | $108.14 / mo | $113.56 / mo |
| 2013 | $281.66 / mo | $184.12 / mo | $131.77 / mo | $107.73 / mo | $115.47 / mo | $106.06 / mo |
| 2012 | $243.01 / mo | $167.30 / mo | $136.20 / mo | $117.08 / mo | $99.11 / mo | $105.18 / mo |
| 2011 | $286.57 / mo | $186.00 / mo | $137.27 / mo | $116.98 / mo | $114.84 / mo | $100.47 / mo |
| 2010 | $300.42 / mo | $168.49 / mo | $206.38 / mo | $118.55 / mo | $75.50 / mo | $97.42 / mo |
2021 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Clearcover | $1,274.00 / year |
2021 Kia Optima Insurance
Average Cost to Insure
$1,272.00 / year
Cheapest Rate
$1,274.00 / year Clearcover
Available Trims
EX 4dr SEDAN (4cyl)
2020 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Auto Premium | $0.00 / year |
| Kemper Personal Insurance | $0.00 / year |
| Jupiter Auto Insurance | $311.00 / year |
| 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 |
2020 Kia Optima Insurance
Average Cost to Insure
$1,205.03 / year
Cheapest Rate
$0.00 / year Kemper Auto Premium
Available Trims
EX 4dr SEDAN (4cyl)
2019 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $0.00 / year |
| Jupiter Auto Insurance | $781.00 / year |
| American National P&C | $843.00 / year |
| Direct Auto | $1,128.00 / year |
| General Casualty | $1,214.00 / year |
| Bear River | $1,215.00 / year |
| Dairyland | $1,299.00 / year |
| North Carolina Farm Bureau | $1,350.00 / year |
| Titan | $1,379.00 / year |
| Oregon Mutual | $1,382.00 / year |
2019 Kia Optima Insurance
Average Cost to Insure
$1,431.03 / year
Cheapest Rate
$0.00 / year Kemper Personal Insurance
Available Trims
EX 4dr SEDAN (4cyl)
2018 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $0.00 / year |
| Jupiter Auto Insurance | $672.00 / year |
| American National P&C | $706.00 / year |
| Kemper Auto Premium | $796.00 / year |
| Direct Auto | $1,115.00 / year |
| West Bend Mutual | $1,137.00 / year |
| Clearcover | $1,197.00 / year |
| North Carolina Farm Bureau | $1,241.00 / year |
| New Jersey Manufacturers | $1,283.00 / year |
| Plymouth Rock Assurance | $1,353.00 / year |
2018 Kia Optima Insurance
Average Cost to Insure
$1,461.03 / year
Cheapest Rate
$0.00 / year Kemper Personal Insurance
Available Trims
EX 4dr SEDAN (4cyl)
2017 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $543.00 / year |
| Jupiter Auto Insurance | $576.00 / year |
| Kemper Auto | Infinity | $718.00 / year |
| Bear River | $761.00 / year |
| General Casualty | $1,066.00 / year |
| Clearcover | $1,082.00 / year |
| Mutual Of Enumclaw | $1,194.00 / year |
| Direct Auto | $1,204.00 / year |
| Indiana Farmers Mutual Ins | $1,227.00 / year |
| Oregon Mutual | $1,233.00 / year |
2017 Kia Optima Insurance
Average Cost to Insure
$1,394.27 / year
Cheapest Rate
$543.00 / year American National P
Available Trims
EX 4dr SEDAN (4cyl)
2016 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $391.00 / year |
| Virginia Farm Bureau | $941.00 / year |
| Safety Group | $1,038.00 / year |
| National Farmers Union P | $1,053.00 / year |
| Buckeye Insurance Group | $1,082.00 / year |
| Utica National Ins Group | $1,108.00 / year |
| North Carolina Farm Bureau | $1,146.00 / year |
| American National P&C | $1,174.00 / year |
| Bear River | $1,209.00 / year |
| Farm Bureau Mutual (IA Group) | $1,253.00 / year |
2016 Kia Optima Insurance
Average Cost to Insure
$1,332.73 / year
Cheapest Rate
$391.00 / year Jupiter Auto Insurance
Available Trims
EX 4dr SEDAN (4cyl)
2015 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $0.00 / year |
| Jupiter Auto Insurance | $521.00 / year |
| 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 |
| Western National | $1,074.00 / year |
| Oregon Mutual | $1,083.00 / year |
| Plymouth Rock Assurance | $1,098.00 / year |
| Atlantic States Insurance | $1,100.00 / year |
2015 Kia Optima Insurance
Average Cost to Insure
$1,157.60 / year
Cheapest Rate
$0.00 / year Kemper Personal Insurance
Available Trims
EX 4dr SEDAN (4cyl)
2014 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $0.00 / year |
| Jupiter Auto Insurance | $291.00 / year |
| MMG Insurance Company | $735.00 / year |
| Concord Group | $743.00 / year |
| Virginia Farm Bureau | $807.00 / year |
| Kemper Auto Premium | $843.00 / 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 |
2014 Kia Optima Insurance
Average Cost to Insure
$1,055.00 / year
Cheapest Rate
$0.00 / year Kemper Personal Insurance
Available Trims
EX 4dr SEDAN (4cyl)
2013 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Auto Premier | $0.00 / year |
| Kemper Personal Insurance | $0.00 / year |
| Jupiter Auto Insurance | $509.00 / year |
| American National P | $600.00 / year |
| Mercury Insurance | $768.00 / year |
| American National P&C | $783.00 / year |
| IMT Insurance Company | $969.00 / year |
| North Carolina Farm Bureau | $969.00 / year |
| Kemper Auto Premium | $992.00 / year |
| Bear River | $1,029.00 / year |
2013 Kia Optima Insurance
Average Cost to Insure
$1,054.33 / year
Cheapest Rate
$0.00 / year Kemper Auto Premier
Available Trims
EX 4dr SEDAN (4cyl)
2012 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Auto Premium | $0.00 / year |
| Kemper Personal Insurance | $0.00 / year |
| Jupiter Auto Insurance | $487.00 / year |
| Concord Group | $731.00 / year |
| American National P&C | $747.00 / year |
| Patriot Group | $957.00 / year |
| Pekin Insurance | $972.00 / year |
| North Carolina Farm Bureau | $988.00 / year |
| MMG Insurance Company | $1,005.00 / year |
| Utica National Ins Group | $1,023.00 / year |
2012 Kia Optima Insurance
Average Cost to Insure
$1,035.13 / year
Cheapest Rate
$0.00 / year Kemper Auto Premium
Available Trims
EX 4dr SEDAN (4cyl)
2011 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $165.00 / year |
| American National P&C | $538.00 / year |
| American National P | $540.00 / year |
| Kemper Auto | Infinity | $585.00 / year |
| Co-Operative Ins Companies | $627.00 / year |
| Concord Group | $654.00 / year |
| Norfolk and Dedham Group | $660.00 / year |
| Mercury Insurance | $738.00 / year |
| Pekin Insurance | $785.00 / year |
| Oregon Mutual | $837.00 / year |
2011 Kia Optima Insurance
Average Cost to Insure
$951.47 / year
Cheapest Rate
$165.00 / year Jupiter Auto Insurance
Available Trims
EX 4dr SEDAN (4cyl)
2010 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $0.00 / year |
| Capital Insurance Group | $351.00 / year |
| American National P&C | $513.00 / year |
| SAFECO | $589.00 / year |
| IMT Insurance Company | $675.00 / year |
| Kemper Auto | Infinity | $693.00 / year |
| Mercury Insurance | $728.00 / year |
| Safety Group | $753.00 / year |
| Clearcover | $878.00 / year |
| Arbella Insurance Group | $881.00 / year |
2010 Kia Optima Insurance
Average Cost to Insure
$930.17 / year
Cheapest Rate
$0.00 / year Jupiter Auto Insurance
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.
