855.214.2291 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 | $314.07 / mo | $186.73 / mo | $143.32 / mo | $129.40 / mo | $175.80 / mo | $129.83 / mo |
| 2019 | $293.49 / mo | $198.42 / mo | $154.11 / mo | $128.49 / mo | $136.41 / mo | $125.03 / mo |
| 2018 | $346.97 / mo | $188.35 / mo | $141.31 / mo | $130.13 / mo | $134.90 / mo | $138.59 / mo |
| 2017 | $287.77 / mo | $241.21 / mo | $185.35 / mo | $155.15 / mo | $149.48 / mo | $145.96 / mo |
| 2016 | $426.91 / mo | $226.83 / mo | $158.54 / mo | $139.40 / mo | $129.41 / mo | $152.42 / mo |
| 2015 | $342.66 / mo | $221.16 / mo | $166.63 / mo | $139.73 / mo | $118.47 / mo | $135.57 / mo |
| 2014 | $362.92 / mo | $212.27 / mo | $152.14 / mo | $142.26 / mo | $114.82 / mo | $116.94 / mo |
| 2013 | $304.03 / mo | $201.40 / mo | $146.99 / mo | $115.43 / mo | $127.49 / mo | $111.78 / mo |
| 2012 | $285.70 / mo | $184.17 / mo | $147.83 / mo | $136.05 / mo | $108.26 / mo | $112.39 / mo |
| 2011 | $319.59 / mo | $203.71 / mo | $156.09 / mo | $123.34 / mo | $123.23 / mo | $108.59 / mo |
| 2010 | $369.05 / mo | $187.20 / mo | $256.29 / mo | $134.03 / mo | $88.56 / mo | $103.79 / mo |
2020 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Pekin Insurance | $900.00 / year |
| Titan | $1,006.00 / year |
| Partners Mutual Insurance Co | $1,008.00 / year |
| West Bend Mutual | $1,008.00 / year |
| Rockford Mutual Insurance | $1,070.00 / year |
| Rural Mutual Insurance | $1,136.00 / year |
| Ameriprise Group | $1,172.00 / year |
| Western National | $1,194.00 / year |
| ACCC Insurance Company | $1,243.00 / year |
| North Carolina Farm Bureau | $1,283.00 / year |
2020 Kia Optima Insurance
Average Cost to Insure
$1,431.90 / year
Cheapest Rate
$900.00 / year Pekin Insurance
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 |
| New Jersey Manufacturers | $1,080.00 / year |
| Bear River | $1,215.00 / year |
| North Carolina Farm Bureau | $1,269.00 / year |
| Mutual Of Enumclaw | $1,297.00 / year |
| Oregon Mutual | $1,306.00 / year |
| General Casualty | $1,311.00 / year |
| Utica National Ins Group | $1,314.00 / year |
| Pekin Insurance | $1,348.00 / year |
| Virginia Farm Bureau | $1,352.00 / year |
2019 Kia Optima Insurance
Average Cost to Insure
$1,578.67 / 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 | $848.00 / year |
| North Carolina Farm Bureau | $1,207.00 / year |
| New Jersey Manufacturers | $1,331.00 / year |
| Buckeye Insurance Group | $1,430.00 / year |
| Utica National Ins Group | $1,514.00 / year |
| USAA | $1,608.00 / year |
| Pekin Insurance | $1,611.00 / year |
| Capital Insurance Group | $1,623.00 / year |
| Verti Insurance | $1,643.00 / year |
| National General | $1,701.00 / year |
2018 Kia Optima Insurance
Average Cost to Insure
$1,812.47 / year
Cheapest Rate
$848.00 / 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 |
| Bear River | $761.00 / year |
| Clearcover | $963.00 / year |
| Buckeye Insurance Group | $1,091.00 / year |
| Pekin Insurance | $1,107.00 / year |
| General Casualty | $1,194.00 / year |
| Oregon Mutual | $1,233.00 / year |
| Mutual Of Enumclaw | $1,251.00 / year |
| North Carolina Farm Bureau | $1,256.00 / year |
| Indiana Farmers Mutual Ins | $1,274.00 / year |
| Concord Group | $1,300.00 / year |
2017 Kia Optima Insurance
Average Cost to Insure
$1,525.73 / year
Cheapest Rate
$761.00 / year Bear River
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 | $666.00 / year |
| Buckeye Insurance Group | $1,004.00 / year |
| Utica National Ins Group | $1,006.00 / year |
| North Carolina Farm Bureau | $1,121.00 / year |
| Plymouth Rock Assurance | $1,133.00 / year |
| Farm Bureau Mutual (IA Group) | $1,192.00 / year |
| General Casualty | $1,242.00 / year |
| Tennessee Farmers | $1,438.00 / year |
| Mutual Of Enumclaw | $1,442.00 / year |
| Oregon Mutual | $1,464.00 / year |
2016 Kia Optima Insurance
Average Cost to Insure
$1,598.67 / year
Cheapest Rate
$666.00 / 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 |
| GEICO | $605.00 / year |
| Georgia Farm Bureau | $615.00 / year |
| Western National | $762.00 / year |
| ACCC Insurance Company | $792.00 / year |
| Auto-Owners Insurance Co | $803.00 / year |
| Virginia Farm Bureau | $855.00 / year |
| Plymouth Rock Assurance | $969.00 / year |
| Clearcover | $1,026.00 / year |
| ALFA | $1,140.00 / year |
| Cameron Mutual Group | $1,158.00 / year |
2015 Kia Optima Insurance
Average Cost to Insure
$1,404.60 / year
Cheapest Rate
$605.00 / year GEICO
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 |
| Kentucky Farm Bureau | $776.00 / year |
| Virginia Farm Bureau | $807.00 / year |
| New Jersey Manufacturers | $834.00 / year |
| American National P&C | $903.00 / year |
| Utica National Ins Group | $946.00 / year |
| North Carolina Farm Bureau | $993.00 / year |
| Titan | $1,080.00 / year |
| Penn National | $1,138.00 / year |
| SECURA Insurance | $1,196.00 / year |
| Clearcover | $1,216.00 / year |
2014 Kia Optima Insurance
Average Cost to Insure
$1,327.63 / year
Cheapest Rate
$776.00 / year Kentucky Farm Bureau
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 | $768.00 / year |
| Rural Mutual Insurance | $868.00 / year |
| Bear River | $875.00 / year |
| North Carolina Farm Bureau | $963.00 / year |
| IMT Insurance Company | $969.00 / year |
| PEMCO | $1,002.00 / year |
| Pekin Insurance | $1,028.00 / year |
| SECURA Insurance | $1,048.00 / year |
| Farm Bureau Mutual (IA Group) | $1,050.00 / year |
| Ohio Mutual Ins Group | $1,062.00 / year |
2013 Kia Optima Insurance
Average Cost to Insure
$1,199.00 / year
Cheapest Rate
$768.00 / 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 | $798.00 / year |
| North Carolina Farm Bureau | $926.00 / year |
| Patriot Group | $957.00 / year |
| MMG Insurance Company | $1,005.00 / year |
| Utica National Ins Group | $1,038.00 / year |
| Countryway Insurance | $1,081.00 / year |
| Commerce Group Inc | $1,086.00 / year |
| Peerless Insurance Company | $1,117.00 / year |
| PEMCO | $1,118.00 / year |
2012 Kia Optima Insurance
Average Cost to Insure
$1,235.40 / 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 |
| Pekin Insurance | $616.00 / year |
| Co-Operative Ins Companies | $627.00 / year |
| Concord Group | $654.00 / year |
| Norfolk and Dedham Group | $660.00 / year |
| Buckeye Insurance Group | $728.00 / year |
| Farm Bureau Mutual (IA Group) | $827.00 / year |
| Hastings Mutual Insurance Co | $864.00 / year |
| Frankenmuth Mutual | $879.00 / year |
| North Carolina Farm Bureau | $882.00 / year |
2011 Kia Optima Insurance
Average Cost to Insure
$977.87 / 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 |
| GEICO | $486.00 / year |
| Country | $633.00 / year |
| State Farm | $692.00 / year |
| Allstate | $738.00 / year |
| SAFECO | $883.00 / year |
| American Family | $893.00 / year |
| CSAA | $938.00 / year |
| Nationwide | $946.00 / year |
| Mercury | $1,047.00 / year |
2010 Kia Optima Insurance
Average Cost to Insure
$1,834.85 / year
Cheapest Rate
$351.00 / year Capital Insurance Group
Available Trims
EX 4dr Sedan (6cyl),LX 4dr Sedan (6cyl)
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.