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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 |
| 2023 | N/A | N/A | N/A | N/A | $130.52 / mo | N/A |
| 2022 | N/A | $92.23 / mo | N/A | $215.95 / mo | N/A | $234.20 / mo |
| 2021 | N/A | N/A | N/A | N/A | N/A | $115.72 / mo |
| 2020 | $384.40 / mo | $244.69 / mo | $151.22 / mo | $157.84 / mo | $154.11 / mo | $153.56 / mo |
| 2019 | $274.85 / mo | $219.90 / mo | $160.29 / mo | $143.28 / mo | $140.86 / mo | $139.28 / mo |
| 2018 | $330.21 / mo | $214.32 / mo | $156.35 / mo | $141.06 / mo | $141.66 / mo | $145.67 / mo |
| 2017 | $310.54 / mo | $216.29 / mo | $153.09 / mo | $153.11 / mo | $126.48 / mo | $139.87 / mo |
| 2016 | $310.90 / mo | $208.05 / mo | $147.73 / mo | $140.57 / mo | $125.68 / mo | $143.45 / mo |
| 2015 | $337.00 / mo | $203.23 / mo | $146.78 / mo | $138.22 / mo | $125.93 / mo | $134.46 / mo |
| 2014 | $340.96 / mo | $198.35 / mo | $137.41 / mo | $137.88 / mo | $118.49 / mo | $125.72 / mo |
| 2013 | $282.64 / mo | $191.92 / mo | $141.72 / mo | $119.83 / mo | $115.76 / mo | $116.56 / mo |
| 2012 | $279.14 / mo | $180.93 / mo | $136.57 / mo | $119.98 / mo | $108.40 / mo | $120.87 / mo |
| 2011 | $323.68 / mo | $183.68 / mo | $127.92 / mo | $123.78 / mo | $102.41 / mo | $106.78 / mo |
| 2010 | $288.61 / mo | $164.00 / mo | $143.51 / mo | $113.61 / mo | $90.33 / mo | $101.40 / mo |
2022 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Direct Auto | $1,106.00 / year |
| Mercury | $2,025.00 / year |
| Nationwide | $2,303.00 / year |
| Direct General Insurance | $3,145.00 / year |
| Metropolitan | $3,259.00 / year |
| Travelers | $3,312.00 / year |
| Unitrin | $4,689.00 / year |
2022 Kia Optima Insurance
Average Cost to Insure
$2,328.00 / year
Cheapest Rate
$1,106.00 / year Direct Auto
Available Trims
EX 4dr SEDAN (4cyl)
2021 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Capital Insurance Group | $978.00 / year |
| Sentry | $1,134.00 / year |
| USAA | $1,147.00 / year |
| Oregon Mutual | $1,172.00 / year |
| Allied | $1,182.00 / year |
| Mutual Of Enumclaw | $1,211.00 / year |
| Clearcover | $1,274.00 / year |
| Travelers | $1,332.00 / year |
| Unigard | $1,338.00 / year |
| Unitrin | $1,450.00 / year |
2021 Kia Optima Insurance
Average Cost to Insure
$1,380.00 / year
Cheapest Rate
$978.00 / year Capital Insurance Group
Available Trims
EX 4dr SEDAN (4cyl)
2020 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Auto Premier | $117.00 / year |
| Jupiter Auto Insurance | $194.00 / year |
| Mercury Insurance | $724.00 / year |
| American National P&C | $730.00 / year |
| SAFECO | $941.00 / year |
| Clearcover | $1,167.00 / year |
| Ameriprise Group | $1,172.00 / year |
| American National P | $1,174.00 / year |
| NatGen PPA | $1,277.00 / year |
| Concord Group | $1,314.00 / year |
2020 Kia Optima Insurance
Average Cost to Insure
$732.30 / year
Cheapest Rate
$117.00 / year Kemper Auto Premier
Available Trims
EX 4dr SEDAN (4cyl)
2019 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $92.00 / year |
| Kemper Auto Premier | $310.00 / year |
| Jupiter Auto Insurance | $475.00 / year |
| American National P&C | $843.00 / year |
| American National P | $956.00 / year |
| Concord Group | $1,033.00 / year |
| MMG Insurance Company | $1,081.00 / year |
| General Casualty | $1,214.00 / year |
| Bear River | $1,215.00 / year |
| SAFECO | $1,262.00 / year |
2019 Kia Optima Insurance
Average Cost to Insure
$1,065.30 / year
Cheapest Rate
$92.00 / year Kemper Personal Insurance
Available Trims
EX 4dr SEDAN (4cyl)
2018 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Dairyland Auto 1 Month | $228.00 / year |
| Jupiter Auto Insurance | $502.00 / year |
| National General RAD | $582.00 / year |
| SAFECO | $669.00 / year |
| American National P&C | $706.00 / year |
| Kemper Auto Premier | $714.00 / year |
| NatGen Advantage | $760.00 / year |
| Mercury Insurance | $914.00 / year |
| Kemper Auto | $940.00 / year |
| American National P | $1,077.00 / year |
2018 Kia Optima Insurance
Average Cost to Insure
$866.83 / year
Cheapest Rate
$228.00 / year Dairyland Auto 1 Month
Available Trims
EX 4dr SEDAN (4cyl)
2017 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Auto Premier | $93.00 / year |
| Kemper Auto | $581.00 / year |
| Bear River | $761.00 / year |
| Jupiter Auto Insurance | $822.00 / year |
| Mercury Insurance | $918.00 / year |
| SAFECO | $927.00 / year |
| EMC Insurance | $1,044.00 / year |
| American National P | $1,050.00 / year |
| General Casualty | $1,066.00 / year |
| Concord Group | $1,104.00 / year |
2017 Kia Optima Insurance
Average Cost to Insure
$623.77 / year
Cheapest Rate
$93.00 / year Kemper Auto Premier
Available Trims
EX 4dr SEDAN (4cyl)
2016 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $143.00 / year |
| Jupiter Auto Insurance | $368.00 / year |
| AssuranceAmerica Mobile Max | $513.00 / year |
| Dairyland FR Bond | $705.00 / year |
| SAFECO | $909.00 / year |
| Kemper Auto Premier | $985.00 / year |
| American National P | $1,045.00 / year |
| AssuranceAmerica | $1,149.00 / year |
| Union Mutual Fire Group | $1,155.00 / year |
| American National P&C | $1,174.00 / year |
2016 Kia Optima Insurance
Average Cost to Insure
$874.90 / year
Cheapest Rate
$143.00 / year Kemper Personal Insurance
Available Trims
EX 4dr SEDAN (4cyl)
2015 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $43.00 / year |
| Jupiter Auto Insurance | $356.00 / year |
| SAFECO | $670.00 / year |
| Dairyland Auto 1 Month | $760.00 / year |
| Dairyland FR Bond | $786.00 / year |
| Dairyland Broadform | $825.00 / year |
| American National P | $836.00 / year |
| Union Mutual Fire Group | $1,006.00 / year |
| EMC Insurance | $1,062.00 / year |
| Concord Group | $1,068.00 / year |
2015 Kia Optima Insurance
Average Cost to Insure
$837.67 / year
Cheapest Rate
$43.00 / year Kemper Personal Insurance
Available Trims
EX 4dr SEDAN (4cyl)
2014 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Auto Premier | $65.00 / year |
| Kemper Personal Insurance | $112.00 / year |
| Jupiter Auto Insurance | $279.00 / year |
| AssuranceAmerica Mobile Max | $554.00 / year |
| SAFECO | $682.00 / year |
| Union Mutual Fire Group | $789.00 / year |
| Concord Group | $794.00 / year |
| Dairyland FR Bond | $796.00 / year |
| American National P&C | $903.00 / year |
| Dairyland Broadform | $903.00 / year |
2014 Kia Optima Insurance
Average Cost to Insure
$758.73 / year
Cheapest Rate
$65.00 / year Kemper Auto Premier
Available Trims
EX 4dr SEDAN (4cyl)
2013 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $155.00 / year |
| Kemper Auto Premier | $168.00 / year |
| Dairyland Auto 1 Month | $365.00 / year |
| AssuranceAmerica Mobile Max | $381.00 / year |
| Jupiter Auto Insurance | $418.00 / year |
| Dairyland Broadform | $443.00 / year |
| Dairyland FR Bond | $514.00 / year |
| Concord Group | $688.00 / year |
| MMG Insurance Company | $699.00 / year |
| SAFECO | $723.00 / year |
2013 Kia Optima Insurance
Average Cost to Insure
$657.77 / year
Cheapest Rate
$155.00 / year Kemper Personal Insurance
Available Trims
EX 4dr SEDAN (4cyl)
2012 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Auto Premier | $107.00 / year |
| Jupiter Auto Insurance | $421.00 / year |
| Mercury Insurance | $647.00 / year |
| SAFECO | $666.00 / year |
| Union Mutual Fire Group | $719.00 / year |
| American National P&C | $747.00 / year |
| Concord Group | $824.00 / year |
| Dairyland Broadform | $933.00 / year |
| Utica National Ins Group | $958.00 / year |
| North Carolina Farm Bureau | $983.00 / year |
2012 Kia Optima Insurance
Average Cost to Insure
$683.13 / year
Cheapest Rate
$107.00 / year Kemper Auto Premier
Available Trims
EX 4dr SEDAN (4cyl)
2011 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $111.00 / year |
| Kemper Personal Insurance | $239.00 / year |
| American National P&C | $538.00 / year |
| Co-Operative Ins Companies | $627.00 / year |
| American National P | $644.00 / year |
| North Carolina Farm Bureau | $831.00 / year |
| Concord Group | $847.00 / year |
| EMC Insurance | $873.00 / year |
| SECURA Insurance | $893.00 / year |
| Farmers Mutual of Nebraska | $930.00 / year |
2011 Kia Optima Insurance
Average Cost to Insure
$575.67 / year
Cheapest Rate
$111.00 / year Jupiter Auto Insurance
Available Trims
EX 4dr SEDAN (4cyl)
2010 Kia Optima Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Mercury Insurance | $80.00 / year |
| Jupiter Auto Insurance | $128.00 / year |
| SAFECO | $141.00 / year |
| National General Value | $464.00 / year |
| American National P&C | $513.00 / year |
| Kemper Auto Premier | $593.00 / year |
| NatGen Value | $643.00 / year |
| American National P | $763.00 / year |
| Countryway Insurance | $828.00 / year |
| Clearcover | $868.00 / year |
2010 Kia Optima Insurance
Average Cost to Insure
$548.90 / year
Cheapest Rate
$80.00 / year Mercury 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.
