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.
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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 | $222.63 / mo | $191.86 / mo | $139.16 / mo | $129.17 / mo | $151.65 / mo | $119.91 / mo |
| 2019 | $298.15 / mo | $203.09 / mo | $149.74 / mo | $128.83 / mo | $134.27 / mo | $126.90 / mo |
| 2018 | $346.97 / mo | $188.63 / mo | $139.56 / mo | $131.57 / mo | $130.70 / mo | $140.82 / mo |
| 2017 | $287.77 / mo | $236.81 / mo | $181.13 / mo | $154.03 / mo | $148.25 / mo | $146.12 / mo |
| 2016 | $416.86 / mo | $223.99 / mo | $156.16 / mo | $138.38 / mo | $129.07 / mo | $151.95 / mo |
| 2015 | $339.71 / mo | $220.09 / mo | $165.95 / mo | $140.34 / mo | $117.63 / mo | $135.06 / mo |
| 2014 | $362.92 / mo | $210.74 / mo | $151.72 / mo | $142.14 / mo | $114.15 / mo | $117.92 / mo |
| 2013 | $302.02 / mo | $199.09 / mo | $145.54 / mo | $115.04 / mo | $126.18 / mo | $111.25 / mo |
| 2012 | $285.70 / mo | $181.95 / mo | $145.37 / mo | $134.56 / mo | $107.80 / mo | $112.39 / mo |
| 2011 | $319.59 / mo | $203.29 / mo | $154.36 / mo | $123.34 / mo | $123.23 / mo | $109.81 / mo |
| 2010 | $340.76 / mo | $183.23 / mo | $246.97 / mo | $134.03 / mo | $87.63 / mo | $102.36 / mo |
2020 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Pekin Insurance | $727.00 / year |
| American National P&C | $728.00 / year |
| Partners Mutual Insurance Co | $1,008.00 / year |
| West Bend Mutual | $1,008.00 / year |
| Titan | $1,045.00 / year |
| Rockford Mutual Insurance | $1,046.00 / year |
| Rural Mutual Insurance | $1,136.00 / year |
| Ameriprise Group | $1,172.00 / year |
| Western National | $1,194.00 / year |
| First Chicago Insurance | $1,250.00 / year |
2020 Kia Optima Insurance
Average Cost to Insure
$1,294.87 / year
Cheapest Rate
$727.00 / 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 |
| Bear River | $1,215.00 / year |
| General Casualty | $1,233.00 / year |
| North Carolina Farm Bureau | $1,297.00 / year |
| Utica National Ins Group | $1,350.00 / year |
| Virginia Farm Bureau | $1,352.00 / year |
| Rural Mutual Insurance | $1,408.00 / year |
| Oregon Mutual | $1,415.00 / year |
| USAA | $1,485.00 / year |
| Mutual Of Enumclaw | $1,492.00 / year |
2019 Kia Optima Insurance
Average Cost to Insure
$1,635.07 / 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 |
| Plymouth Rock Assurance | $1,003.00 / year |
| North Carolina Farm Bureau | $1,207.00 / year |
| Safety Group | $1,280.00 / year |
| New Jersey Manufacturers | $1,285.00 / year |
| Pure Companies Grp | $1,346.00 / year |
| Buckeye Insurance Group | $1,432.00 / year |
| Norfolk and Dedham Group | $1,437.00 / year |
| USAA | $1,514.00 / year |
| Utica National Ins Group | $1,514.00 / year |
2018 Kia Optima Insurance
Average Cost to Insure
$1,614.87 / 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 |
| Bear River | $761.00 / year |
| Clearcover | $963.00 / year |
| General Casualty | $1,066.00 / year |
| Pekin Insurance | $1,107.00 / year |
| Mutual Of Enumclaw | $1,194.00 / year |
| North Carolina Farm Bureau | $1,214.00 / year |
| Oregon Mutual | $1,233.00 / year |
| Indiana Farmers Mutual Ins | $1,274.00 / year |
| Concord Group | $1,300.00 / year |
| New Jersey Manufacturers | $1,310.00 / year |
2017 Kia Optima Insurance
Average Cost to Insure
$1,535.60 / 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 | $874.00 / year |
| Safety Group | $1,038.00 / year |
| Utica National Ins Group | $1,137.00 / year |
| Clearcover | $1,160.00 / year |
| Buckeye Insurance Group | $1,172.00 / year |
| North Carolina Farm Bureau | $1,177.00 / year |
| Farm Bureau Mutual (IA Group) | $1,262.00 / year |
| Quincy Mutual | $1,313.00 / year |
| Pure Companies Grp | $1,322.00 / year |
| Norfolk and Dedham Group | $1,358.00 / year |
2016 Kia Optima Insurance
Average Cost to Insure
$1,469.17 / year
Cheapest Rate
$874.00 / 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 |
| Western National | $762.00 / year |
| ACCC Insurance Company | $792.00 / year |
| Virginia Farm Bureau | $917.00 / year |
| Auto-Owners Insurance Co | $958.00 / year |
| Plymouth Rock Assurance | $1,023.00 / year |
| Clearcover | $1,026.00 / year |
| GEICO | $1,083.00 / year |
| Atlantic States Insurance | $1,100.00 / year |
| ALFA | $1,140.00 / year |
2015 Kia Optima Insurance
Average Cost to Insure
$1,322.37 / 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 |
| Kentucky Farm Bureau | $776.00 / year |
| Virginia Farm Bureau | $807.00 / year |
| American National P&C | $903.00 / 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 | $1,101.00 / year |
2014 Kia Optima Insurance
Average Cost to Insure
$1,189.90 / 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 | $802.00 / year |
| Safety Group | $932.00 / year |
| IMT Insurance Company | $969.00 / year |
| North Carolina Farm Bureau | $985.00 / year |
| Buckeye Insurance Group | $1,022.00 / year |
| Bear River | $1,029.00 / year |
| SECURA Insurance | $1,039.00 / year |
| Ohio Mutual Ins Group | $1,044.00 / year |
| Clearcover | $1,094.00 / year |
| Pure Companies Grp | $1,125.00 / year |
2013 Kia Optima Insurance
Average Cost to Insure
$1,209.77 / year
Cheapest Rate
$802.00 / 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 |
| Pekin Insurance | $945.00 / year |
| Patriot Group | $957.00 / year |
| Farmers Mutual of Nebraska | $962.00 / year |
| Clearcover | $994.00 / year |
| MMG Insurance Company | $1,005.00 / year |
| Rockford Mutual Insurance | $1,048.00 / year |
| Utica National Ins Group | $1,050.00 / year |
2012 Kia Optima Insurance
Average Cost to Insure
$1,133.20 / 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 |
| North Carolina Farm Bureau | $882.00 / year |
| Plymouth Rock Assurance | $890.00 / year |
| Farm Bureau Mutual (IA Group) | $907.00 / year |
| Safety Group | $923.00 / year |
| Utica National Ins Group | $928.00 / year |
2011 Kia Optima Insurance
Average Cost to Insure
$1,081.47 / 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 |
| SAFECO | $883.00 / year |
| Partners Mutual Insurance Co | $915.00 / year |
| Southern Farm Bureau | $944.00 / year |
| Utica National Ins Group | $1,035.00 / year |
| Cameron Mutual Group | $1,064.00 / year |
| Farm Bureau Mutual (IA Group) | $1,108.00 / year |
| CSAA | $1,122.00 / year |
| USAA | $1,148.00 / year |
2010 Kia Optima Insurance
Average Cost to Insure
$1,393.00 / year
Cheapest Rate
$351.00 / year Capital Insurance Group
Available Trims
EX 4dr Sedan (6cyl),LX 4dr Sedan (4cyl)
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.