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 | $314.07 / mo | $192.49 / mo | $147.17 / mo | $115.84 / mo | $169.65 / mo | $145.77 / mo |
| 2019 | $293.49 / mo | $196.73 / mo | $159.20 / mo | $129.92 / mo | $133.63 / mo | $127.36 / mo |
| 2018 | $346.97 / mo | $189.87 / mo | $143.11 / mo | $130.16 / mo | $137.36 / mo | $143.26 / mo |
| 2017 | $287.77 / mo | $247.70 / mo | $191.15 / mo | $155.21 / mo | $150.79 / mo | $146.56 / mo |
| 2016 | $429.23 / mo | $229.96 / mo | $160.87 / mo | $140.06 / mo | $128.27 / mo | $153.82 / mo |
| 2015 | $346.60 / mo | $222.42 / mo | $168.90 / mo | $139.93 / mo | $118.26 / mo | $132.85 / mo |
| 2014 | $362.92 / mo | $214.88 / mo | $153.03 / mo | $142.30 / mo | $114.58 / mo | $117.62 / mo |
| 2013 | $312.82 / mo | $202.67 / mo | $148.46 / mo | $115.25 / mo | $129.03 / mo | $109.65 / mo |
| 2012 | $294.11 / mo | $188.02 / mo | $154.18 / mo | $136.70 / mo | $103.99 / mo | $113.63 / mo |
| 2011 | $319.59 / mo | $209.87 / mo | $157.48 / mo | $123.89 / mo | $123.40 / mo | $111.47 / mo |
| 2010 | $369.05 / mo | $188.10 / mo | $246.60 / mo | $134.03 / mo | $88.22 / mo | $103.79 / mo |
2020 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Titan | $877.00 / year |
| Pekin Insurance | $900.00 / 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 | $1,239.00 / year |
| North Carolina Farm Bureau | $1,277.00 / year |
2020 Kia Optima Insurance
Average Cost to Insure
$1,476.00 / year
Cheapest Rate
$877.00 / year Titan
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 | $921.00 / year |
| New Jersey Manufacturers | $1,080.00 / 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 |
| PEMCO | $1,356.00 / year |
| Rural Mutual Insurance | $1,408.00 / year |
| Utica National Ins Group | $1,427.00 / year |
| Pekin Insurance | $1,450.00 / year |
2019 Kia Optima Insurance
Average Cost to Insure
$1,634.47 / year
Cheapest Rate
$921.00 / 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 |
| North Carolina Farm Bureau | $1,207.00 / year |
| Buckeye Insurance Group | $1,237.00 / year |
| New Jersey Manufacturers | $1,331.00 / year |
| Ohio Mutual Ins Group | $1,431.00 / year |
| Utica National Ins Group | $1,536.00 / year |
| Verti Insurance | $1,643.00 / year |
| USAA | $1,659.00 / year |
| Indiana Farmers Mutual Ins | $1,704.00 / year |
| General Casualty | $1,754.00 / year |
| Texas Farm Bureau Group | $1,771.00 / year |
2018 Kia Optima Insurance
Average Cost to Insure
$1,911.70 / year
Cheapest Rate
$1,207.00 / year North Carolina Farm Bureau
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 |
| Pekin Insurance | $1,020.00 / year |
| Buckeye Insurance Group | $1,091.00 / year |
| General Casualty | $1,194.00 / year |
| Oregon Mutual | $1,233.00 / year |
| Mutual Of Enumclaw | $1,251.00 / year |
| Indiana Farmers Mutual Ins | $1,274.00 / year |
| Concord Group | $1,300.00 / year |
| New Jersey Manufacturers | $1,353.00 / year |
2017 Kia Optima Insurance
Average Cost to Insure
$1,550.83 / 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 |
| Plymouth Rock Assurance | $1,133.00 / year |
| State Farm | $1,469.00 / year |
| Auto-Owners Insurance Co | $1,548.00 / year |
| Allstate | $1,688.00 / year |
| Penn National | $1,692.00 / year |
| American Family | $1,717.00 / year |
| Progressive | $1,751.00 / year |
| Hastings Mutual Insurance Co | $1,758.00 / year |
| Travelers | $1,819.00 / year |
| Bristol West | $2,164.00 / year |
2016 Kia Optima Insurance
Average Cost to Insure
$2,220.00 / year
Cheapest Rate
$1,133.00 / year Plymouth Rock Assurance
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 |
| Western National | $762.00 / year |
| Virginia Farm Bureau | $855.00 / year |
| Cameron Mutual Group | $950.00 / year |
| Auto-Owners Insurance Co | $968.00 / year |
| Plymouth Rock Assurance | $969.00 / year |
| Clearcover | $1,026.00 / year |
| State Farm | $1,200.00 / year |
| American Family | $1,290.00 / year |
| Allstate | $1,306.00 / year |
| Unigard | $1,400.00 / year |
2015 Kia Optima Insurance
Average Cost to Insure
$1,886.20 / year
Cheapest Rate
$762.00 / year Western National
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 | $806.00 / year |
| North Carolina Farm Bureau | $993.00 / year |
| Utica National Ins Group | $1,044.00 / year |
| Titan | $1,080.00 / year |
| Penn National | $1,185.00 / year |
| Clearcover | $1,216.00 / year |
| Texas Farm Bureau Group | $1,245.00 / year |
| Mississippi Farm Bureau | $1,248.00 / year |
| SECURA Insurance | $1,286.00 / year |
2014 Kia Optima Insurance
Average Cost to Insure
$1,389.50 / 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 | $694.00 / year |
| SECURA Insurance | $738.00 / year |
| Rural Mutual Insurance | $771.00 / year |
| Pekin Insurance | $845.00 / year |
| Bear River | $875.00 / year |
| Rockford Mutual Insurance | $886.00 / year |
| IMT Insurance Company | $969.00 / year |
| North Carolina Farm Bureau | $981.00 / year |
| Ohio Mutual Ins Group | $991.00 / year |
| Farm Bureau Mutual (IA Group) | $994.00 / year |
2013 Kia Optima Insurance
Average Cost to Insure
$1,151.60 / year
Cheapest Rate
$694.00 / 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 | $737.00 / year |
| Buckeye Insurance Group | $915.00 / year |
| Patriot Group | $917.00 / year |
| American National P&C | $951.00 / year |
| MMG Insurance Company | $991.00 / year |
| Kentucky Farm Bureau | $1,074.00 / year |
| Commerce Group Inc | $1,086.00 / year |
| Peerless Insurance Company | $1,117.00 / year |
| Countryway Insurance | $1,132.00 / year |
| Indiana Farmers Mutual Ins | $1,224.00 / year |
2012 Kia Optima Insurance
Average Cost to Insure
$1,328.53 / year
Cheapest Rate
$737.00 / 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 | $580.00 / year |
| Pekin Insurance | $597.00 / year |
| Co-Operative Ins Companies | $627.00 / year |
| Concord Group | $654.00 / year |
| Norfolk and Dedham Group | $660.00 / year |
| Buckeye Insurance Group | $799.00 / year |
| Frankenmuth Mutual | $879.00 / year |
| Plymouth Rock Assurance | $890.00 / year |
| Safety Group | $923.00 / year |
| Hastings Mutual Insurance Co | $936.00 / year |
2011 Kia Optima Insurance
Average Cost to Insure
$1,016.10 / year
Cheapest Rate
$580.00 / 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 | $771.00 / 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
$1,606.04 / 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.