Best Kia Optima Car Insurance Quotes (2024)
The cost of Kia Optima auto insurance rates are $1,454 a year, or around $121 a month on average. Mature drivers with good driving records may find rates as low as $855 a year.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,454 a year or $121 each month
- A liability-only policy costs around $583 a year or $49 each month
- Highest rates are for teenage drivers at around $5,314 a year or $443 each month
- Good drivers can save as much as $599 a year by earning policy discounts
- Kia Optima insurance costs around $65 less per year than the average vehicle
Kia Optima insurance rates are about $65 less per year than the average vehicle with full coverage costing around $1,454 a year or $121 a month. The highest rates are for teens who pay about $5,314 a year or $443 a month. Good drivers can save up to $599 a month in policy discounts. Let’s take a closer look at Kia Optima insurance rates, safety ratings, and more.
Don’t forget other costs when deciding on an Optima. You’ll have to pay for routine care services and maintenance, in addition to a persons Kia Optima insurance premium.
You can start comparing quotes for Kia Optima car insurance rates from some of the best car insurance companies by using our free online tool now.
How much does Kia Optima insurance cost?
The average Kia Optima car insurance rates are $1,454 a year or $121 a month.
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Are Kia Optimas Expensive to Insure?
The chart below details how Kia Optima insurance rates compare to other sedans like the Mazda 3, Audi S3, and Chevrolet Malibu.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Optima | $322 | $532 | $420 | $1,454 |
| Mazda 3 | $308 | $562 | $372 | $1,400 |
| Audi S3 | $356 | $744 | $264 | $1,474 |
| Chevrolet Malibu | $322 | $532 | $372 | $1,384 |
| Infiniti Q50 | $344 | $686 | $398 | $1,586 |
| Ford Fusion | $336 | $626 | $372 | $1,492 |
| Toyota Camry | $294 | $570 | $390 | $1,412 |
However, there are a few things you can do to find the cheapest Kia insurance rates online.
What Impacts the Cost of Kia Optima Insurance?
The Kia Optima trim and model you choose can impact the total price you will pay for Kia Optima car insurance coverage.
What is the age of the vehicle?
Older Kia Optima models generally cost less to insure. For example, car insurance for a 2020 Kia Optima costs $1,454, while 2010 Kia Optima insurance costs are $1,220, a difference of $234.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Kia Optima | $322 | $532 | $420 | $1,454 |
| 2019 Kia Optima | $306 | $512 | $440 | $1,438 |
| 2018 Kia Optima | $294 | $506 | $450 | $1,430 |
| 2017 Kia Optima | $284 | $494 | $470 | $1,428 |
| 2016 Kia Optima | $274 | $474 | $486 | $1,414 |
| 2015 Kia Optima | $260 | $458 | $500 | $1,398 |
| 2014 Kia Optima | $250 | $424 | $510 | $1,364 |
| 2013 Kia Optima | $240 | $400 | $514 | $1,334 |
| 2012 Kia Optima | $230 | $358 | $520 | $1,288 |
| 2011 Kia Optima | $214 | $330 | $520 | $1,244 |
| 2010 Kia Optima | $206 | $310 | $524 | $1,220 |
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What about driver age?
Driver age can have a significant effect on the cost of Kia Optima car insurance. For example, a 20-year-old driver could pay around $148 more each month for their Kia Optima car insurance than a 30-year-old driver.
What about driver location?
Where you live can have a large impact on Kia Optima insurance rates. For example, drivers in Los Angeles may pay $799 a year more than drivers in Phoenix.
What about your driving record?
Your driving record can have an impact on the cost of Kia Optima car insurance. Teens and drivers in their 20’s see the highest jump in their Kia Optima auto insurance rates with violations on their driving record.
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What are Kia Optima safety ratings?
The Kia Optima’s safety ratings will affect your Kia Optima auto insurance rates. See the chart below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
What are Kia Optima crash test ratings?
Poor Kia Optima crash test ratings could mean higher Kia Optima car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Kia Optima Plug-in Hybrid 4 DR FWD | N/R | N/R | N/R | N/R |
| 2020 Kia Optima Hybrid 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2020 Kia Optima 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Kia Optima Plug-in Hybrid 4 DR FWD | N/R | N/R | N/R | N/R |
| 2019 Kia Optima Hybrid 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Kia Optima 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Kia Optima Plug-in Hybrid 4 DR FWD | N/R | N/R | N/R | N/R |
| 2018 Kia Optima Hybrid 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Kia Optima 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Kia Optima Plug-in Hybrid 4 DR FWD | N/R | N/R | N/R | N/R |
| 2017 Kia Optima Hybrid 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Kia Optima 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Kia Optima Hybrid 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Kia Optima 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
What are Kia Optima safety features?
The Kia Optima safety features can help lower insurance costs. According to US News, the 2020 Kia Optima has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Blind Spot Monitor
- Lane Departure Warning
- Lane Keeping Assist
- Cross-Traffic Alert
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What is Kia Optima insurance loss probability?
Insurance loss probability on the Kia Optima fluctuates between each type of coverage. The lower percentage means lower Kia Optima car insurance rates; higher percentages mean higher Kia Optima auto insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | 15% |
|---|---|
| Property Damage | 1% |
| Comprehensive | 7% |
| Personal Injury | 33% |
| Medical Payment | 42% |
| Bodily Injury | 20% |
| Source: Insurance Institute for Highway Safety | |
What are Kia Optima finance and insurance cost?
If you are financing a Kia Optima, most lenders will require your carry higher Kia Optima coverage options including comprehensive coverage, so be sure to shop around and compare Kia Optima auto insurance rates from the best companies using our FREE tool below.
How can you save on Kia Optima insurance?
There are several ways you can save even more on your Kia Optima car insurance rates. Take a look at the following five tips:
- Check for Organization-Based Discounts, like Alumni or Employer Discounts
- Understand that Insurance Companies Can’t Change Your Kia Optima Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
- Tell Your Insurer About Different Drivers or Uses for Your Kia Optima
- Make Sure You’re Raising a Safe Driver
- Start Searching for New Kia Optima Car Insurance a Month Before Your Renewal
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What are the top Kia Optima insurance companies?
Who is the top car insurance company for Kia Optima insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia Optima auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Kia Optima offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Where can you compare free Kia Optima insurance quotes online?
Save on your Kia Optima car insurance rates by taking advantage of our FREE comparison tool.
Frequently Asked Questions
How much does Kia Optima insurance cost?
The average Kia Optima car insurance rates are around $1,454 per year or $121 per month.
Are Kia Optimas expensive to insure?
Kia Optima insurance rates are generally $65 less per year than the average vehicle, but rates can vary depending on factors such as the driver’s age, location, and driving record.
What factors impact the cost of Kia Optima insurance?
The cost of Kia Optima insurance can be influenced by factors such as the trim and model of the vehicle, age of the vehicle, driver’s age, driver’s location, and driving record.
What are the safety ratings of Kia Optima?
The safety ratings of Kia Optima can affect insurance rates. It’s advisable to check the crash test ratings and safety features of the vehicle.
How can I save on Kia Optima insurance?
To potentially save on Kia Optima insurance, you can consider strategies such as maintaining a good driving record, opting for higher deductibles, bundling insurance policies, and inquiring about available discounts.
How can I compare free Kia Optima insurance quotes online?
You can compare free Kia Optima insurance quotes online by using an online car insurance comparison tool. This allows you to receive quotes from multiple insurance companies, helping you find the best rate for your Kia Optima.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.