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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 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.

Year16-19 yr old20-29 yr old30-39 yr old40-49 yr old50-59 yr old60+ yr old
2023N/AN/AN/AN/A$130.52 / moN/A
2022N/A$92.23 / moN/A$215.95 / moN/A$234.20 / mo
2021N/AN/AN/AN/AN/A$115.72 / mo
2020$354.20 / mo$230.45 / mo$149.76 / mo$156.29 / mo$144.99 / mo$151.57 / mo
2019$290.68 / mo$213.55 / mo$158.22 / mo$140.82 / mo$138.87 / mo$138.50 / mo
2018$319.99 / mo$210.79 / mo$152.57 / mo$138.30 / mo$139.21 / mo$145.44 / mo
2017$326.43 / mo$211.51 / mo$150.39 / mo$151.47 / mo$125.85 / mo$138.54 / mo
2016$325.92 / mo$206.23 / mo$143.79 / mo$136.18 / mo$124.29 / mo$142.28 / mo
2015$331.89 / mo$199.06 / mo$145.97 / mo$134.26 / mo$123.45 / mo$131.98 / mo
2014$343.43 / mo$196.88 / mo$136.04 / mo$136.47 / mo$115.71 / mo$123.68 / mo
2013$277.06 / mo$190.92 / mo$137.74 / mo$119.39 / mo$112.23 / mo$115.09 / mo
2012$271.83 / mo$178.40 / mo$136.49 / mo$121.32 / mo$108.37 / mo$121.69 / mo
2011$317.25 / mo$182.37 / mo$128.38 / mo$123.00 / mo$102.44 / mo$104.64 / mo
2010$290.11 / mo$165.24 / mo$142.87 / mo$113.61 / mo$90.44 / mo$101.56 / mo

Kia 2022 Kia Optima Insurance Rates by Companies

Insurance Company12 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)

Kia 2021 Kia Optima Insurance Rates by Companies

Insurance Company12 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)

Kia 2020 Kia Optima Insurance Rates by Companies

Insurance Company12 month Premium
Jupiter Auto Insurance $194.00 / year
American National P&C $730.00 / year
Mercury Insurance $1,061.00 / year
Kemper Auto | Infinity $1,089.00 / year
Clearcover $1,166.00 / 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
Dairyland Broadform $1,364.00 / year

2020 Kia Optima Insurance

Average Cost to Insure

$997.60 / year

Cheapest Rate

$194.00 / year Jupiter Auto Insurance

Available Trims

EX 4dr SEDAN (4cyl)

Kia 2019 Kia Optima Insurance Rates by Companies

Insurance Company12 month Premium
Kemper Auto Premier $472.00 / year
Jupiter Auto Insurance $475.00 / year
American National P&C $843.00 / year
American National P $964.00 / 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
Titan $1,270.00 / year
North Carolina Farm Bureau $1,363.00 / year

2019 Kia Optima Insurance

Average Cost to Insure

$1,154.53 / year

Cheapest Rate

$472.00 / year Kemper Auto Premier

Available Trims

EX 4dr SEDAN (4cyl)

Kia 2018 Kia Optima Insurance Rates by Companies

Insurance Company12 month Premium
Dairyland Auto 1 Month $457.00 / year
NatGen Advantage $472.00 / year
Jupiter Auto Insurance $502.00 / year
Kemper Auto Premier $534.00 / year
National General RAD $582.00 / year
American National P&C $706.00 / year
Mercury Insurance $959.00 / year
American National P $1,068.00 / year
SAFECO $1,107.00 / year
Direct Auto $1,229.00 / year

2018 Kia Optima Insurance

Average Cost to Insure

$1,124.70 / year

Cheapest Rate

$457.00 / year Dairyland Auto 1 Month

Available Trims

EX 4dr SEDAN (4cyl)

Kia 2017 Kia Optima Insurance Rates by Companies

Insurance Company12 month Premium
Kemper Auto Premier $127.00 / year
Bear River $761.00 / year
Jupiter Auto Insurance $822.00 / year
Kemper Auto $1,038.00 / year
Mercury Insurance $1,041.00 / year
EMC Insurance $1,044.00 / year
American National P $1,059.00 / year
General Casualty $1,066.00 / year
Concord Group $1,104.00 / year
Clearcover $1,162.00 / year

2017 Kia Optima Insurance

Average Cost to Insure

$800.63 / year

Cheapest Rate

$127.00 / year Kemper Auto Premier

Available Trims

EX 4dr SEDAN (4cyl)

Kia 2016 Kia Optima Insurance Rates by Companies

Insurance Company12 month Premium
Kemper Personal Insurance $199.00 / year
Jupiter Auto Insurance $368.00 / year
Dairyland FR Bond $738.00 / year
National General RAD $782.00 / year
American National P $1,051.00 / year
Union Mutual Fire Group $1,155.00 / year
American National P&C $1,174.00 / year
Bear River $1,209.00 / year
SECURA Insurance $1,227.00 / year
Co-Operative Ins Companies $1,233.00 / year

2016 Kia Optima Insurance

Average Cost to Insure

$975.27 / year

Cheapest Rate

$199.00 / year Kemper Personal Insurance

Available Trims

EX 4dr SEDAN (4cyl)

Kia 2015 Kia Optima Insurance Rates by Companies

Insurance Company12 month Premium
Kemper Personal Insurance $101.00 / year
Jupiter Auto Insurance $356.00 / year
Dairyland Broadform $621.00 / year
Dairyland Auto 1 Month $760.00 / year
American National P $840.00 / year
Union Mutual Fire Group $1,006.00 / year
EMC Insurance $1,062.00 / year
Concord Group $1,068.00 / year
North Carolina Farm Bureau $1,120.00 / year
SAFECO $1,183.00 / year

2015 Kia Optima Insurance

Average Cost to Insure

$830.10 / year

Cheapest Rate

$101.00 / year Kemper Personal Insurance

Available Trims

EX 4dr SEDAN (4cyl)

Kia 2014 Kia Optima Insurance Rates by Companies

Insurance Company12 month Premium
Jupiter Auto Insurance $279.00 / year
Union Mutual Fire Group $789.00 / year
Concord Group $794.00 / year
American National P&C $903.00 / year
American National P $928.00 / year
Countryway Insurance $966.00 / year
NatGen PPA $986.00 / year
MMG Insurance Company $1,014.00 / year
SAFECO $1,014.00 / year
Buckeye Insurance Group $1,020.00 / year

2014 Kia Optima Insurance

Average Cost to Insure

$773.60 / year

Cheapest Rate

$279.00 / year Jupiter Auto Insurance

Available Trims

EX 4dr SEDAN (4cyl)

Kia 2013 Kia Optima Insurance Rates by Companies

Insurance Company12 month Premium
Kemper Auto Premier $98.00 / year
Kemper Personal Insurance $243.00 / year
Jupiter Auto Insurance $418.00 / year
Dairyland Auto 1 Month $487.00 / year
Concord Group $688.00 / year
MMG Insurance Company $699.00 / year
Commerce Group Inc $757.00 / year
American National P&C $783.00 / year
Patriot Group $872.00 / year
North Carolina Farm Bureau $925.00 / year

2013 Kia Optima Insurance

Average Cost to Insure

$727.13 / year

Cheapest Rate

$98.00 / year Kemper Auto Premier

Available Trims

EX 4dr SEDAN (4cyl)

Kia 2012 Kia Optima Insurance Rates by Companies

Insurance Company12 month Premium
Kemper Auto Premier $120.00 / year
Jupiter Auto Insurance $421.00 / year
Kemper Auto | Infinity $702.00 / year
Union Mutual Fire Group $719.00 / year
American National P&C $747.00 / year
Concord Group $839.00 / year
Mercury Insurance $942.00 / year
Utica National Ins Group $960.00 / year
North Carolina Farm Bureau $985.00 / year
MMG Insurance Company $1,017.00 / year

2012 Kia Optima Insurance

Average Cost to Insure

$967.77 / year

Cheapest Rate

$120.00 / year Kemper Auto Premier

Available Trims

EX 4dr SEDAN (4cyl)

Kia 2011 Kia Optima Insurance Rates by Companies

Insurance Company12 month Premium
Jupiter Auto Insurance $111.00 / year
Kemper Personal Insurance $137.00 / year
National General Value $506.00 / 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
EMC Insurance $873.00 / year
Concord Group $893.00 / year
SECURA Insurance $903.00 / year

2011 Kia Optima Insurance

Average Cost to Insure

$697.10 / year

Cheapest Rate

$111.00 / year Jupiter Auto Insurance

Available Trims

EX 4dr SEDAN (4cyl)

Kia 2010 Kia Optima Insurance Rates by Companies

Insurance Company12 month Premium
Jupiter Auto Insurance $128.00 / year
National General Value $213.00 / year
SAFECO $243.00 / year
Mercury Insurance $364.00 / year
American National P&C $513.00 / year
Infinity Special $605.00 / year
Mercury Insurance Company $619.00 / year
NatGen Value $643.00 / year
American National P $763.00 / year
Countryway Insurance $828.00 / year

2010 Kia Optima Insurance

Average Cost to Insure

$543.20 / year

Cheapest Rate

$128.00 / 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.