Compare Kia Optima Car Insurance Rates [2023]
Average Kia Optima insurance rates cost $121 per month ($1,454 per year). Finding Kia Optima teenager insurance rates can cost on average $5,314 a year, so shop around to find cheap coverage.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jul 28, 2023
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 28, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The price you pay for car insurance for a Kia Optima will depend on which year and which trim package you purchase
- Keep a clean driving record and a good credit report if you want to get the best insurance rates possible
- The Optima comes equipped with several safety features
Kia Optima insurance rates are about $65 less per year than the average vehicle. Full coverage costs about $1,454 a year or $121 a month. Good drivers can save up to $599 a month in policy discounts by practicing safe driving habits. Let’s take a look at Kia Optima insurance rates, safety ratings, and more.
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.
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 Hyundai Sonata, Honda Civic, and Hyundai Elantra.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Optima | $322 | $532 | $420 | $1,454 |
| Hyundai Sonata | $294 | $532 | $420 | $1,426 |
| Honda Civic | $280 | $656 | $420 | $1,536 |
| Hyundai Elantra | $280 | $562 | $372 | $1,372 |
| Chevrolet Cruze | $308 | $594 | $372 | $1,432 |
| Nissan Maxima | $372 | $630 | $390 | $1,550 |
| Audi S3 | $356 | $744 | $264 | $1,474 |
However, there are a few things you can do to find the cheapest Kia insurance rates online.
Read more: Compare Hyundai Car Insurance Rates
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 insurance coverage.
Age of the Vehicle
Older Kia Optima models generally cost less to insure. For example, auto 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 |
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.
Driver Location
Where you live can have a large impact on Kia Optima insurance rates. For example, drivers in New York may pay $887 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on the cost of Kia Optima auto 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.
Kia Optima Safety Ratings
Your Kia Optima car insurance rates are tied to the safety ratings of the Kia Optima. See the breakdown 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 | |
Kia Optima Crash Test Ratings
The crash test ratings of the Kia Optima can impact your 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 | ||||
|---|---|---|---|---|
Kia Optima Safety Features
The Kia Optima safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Kia Optima auto insurance rates. The Kia Optima’s safety features include:
- 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
Kia Optima Insurance Loss Probability
The Kia Optima’s insurance loss probability varies for each form of coverage. The lower percentage means lower Kia Optima auto insurance rates; higher percentages mean higher Kia Optima car 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 | |
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 car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Kia Optima Insurance
There are many ways that you can save on Kia Optima car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Kia Optima car insurance rates low.
- Pay Your Bills On Time — Especially Kia Optima Payments and Insurance
- Ask About Discounts for People with Disabilities
- Take Advantage of Referral Fees
- Ask About Loyalty Discounts
- Remove Unnecessary Insurance Once Your Kia Optima is Paid Off
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 | |||
Compare Free Kia Optima Insurance Quotes Online
You can start comparing quotes for Kia Optima insurance from some of the top car insurance companies by using our free online tool today.
A Kia Optima is considered Kia’s version of a sports car. The average cost of Kia Optima car insurance is $1,328 per year or $111 per month.
The Kia Optima is available in three trim packages: the LX, EX, and SX. At $1,411, the top-of-the-line SX will cost you more out of pocket for car insurance. However, you can save money on car insurance discounts.
Continue reading to learn how you can save money on Kia Optima car insurance.
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How much should I expect to pay for Kia Optima car insurance rates?
The average insurance cost of the base model LX is $1,280; the sporty EX averages $1,377, while the top-of-the-line SX has an average annual insurance cost of $1,411.
Kia Optima car insurance rates will also vary based on the make and model year. Here are the average rates of the latest Kia Optima vehicles.
| Model Year | Annual Comprehensive Rates | Annual Collision Rates | Annual Liability Rates | Total Premium |
|---|---|---|---|---|
| 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 |
The 2020 Kia Optima car insurance cost has the most expensive totals. The most expensive car insurance coverage for the Kia Optima is collision insurance coverage.
Kia put serious consideration into the safety features of the Optima. Standard features such as:
- six air bags
- four-wheel ABS
- stability and traction controls
- automatic tire-pressure monitoring
Car insurance companies consider such features when determining car insurance costs.
The Optima was first introduced in 2001 and quickly became Kia’s flagship car. This mid-sized sedan is considered a high performer and has held its own against fierce competitors such as the Toyota Camry, Ford Fusion, and Honda Accord.
The Optima was redesigned in 2011, making it a stand out on the highway.
Long recognized for its spaciousness and driving comfort, the Optima offers excellent, reliable transportation and plenty of standard features for less money.
To top it off, the Optima offers great fuel economy at 24 mpg city and 34 mpg highway.
Several factors determine what you will pay for car insurance for your vehicle.
- The features of the car will contribute to the cost of insurance.
- The year, make, and model make a difference in what you can expect to pay.
- A newer Kia Optima will cost more to insure than an older model.
Even within the same production year, different trim packages will affect the cost of coverage. As mentioned above, the Optima delivers a choice of three trim packages.
You can receive additional policy discounts for safety features on the Kia Optima. These safety features are usually reported when you put Kia Optima’s model year and trim in a car insurance quote.
What driver characteristics are considered in determining the insurance cost for Kia Optima?
Driver characteristics are essential when determining car insurance costs. Someone with a clean driving record with no tickets or accidents can expect to pay a lower premium than someone with a bad driving record.
Even one fender-bender can result in a substantial premium hike.
The driver’s age also has an impact on rates. Younger, new drivers usually pay higher rates than older, more experienced drivers.
You may not realize it, but your credit rating could also affect your car insurance rates. If you have questionable credit, your insurance company is likely to charge you more.
It’s a good idea to check your credit regularly to make sure that it contains accurate information.
According to the Federal Trade Commission, good credit will get you a better deal on car insurance. If you have poor credit, you may want to work toward eliminating negative items on your credit report that may affect your insurance rate.
Get cheap car insurance quotes using our FREE comparison tool! Just enter your ZIP code to start comparing car insurance in your local area!
Are there discounts for car insurance for the Kia Optima?
If you are considering purchasing a Kia Optima, you may want to look into possible discounts that will help to reduce your insurance cost. Many insurance companies offer discounts for a variety of situations.
Some companies offer discounts when they insure multiple vehicles under the same plan. If you are or have a student driver, you may be eligible for discounts for good school performance.
Watch this video about tips on how you can save money on teen car insurance.
Some companies will give you a break if you are a member of a professional organization. A new trend now is to reward good driving behavior with such programs as diminishing deductible for every year without a claim.
Be sure to check with your agent to see if there are any discounts available to you.
If you are indeed considering buying a Kia Optima, this may be the time to shop around for the best car insurance rates available.
When shopping for quotes, you want to make sure that you are comparing apples to apples and that you are getting the right amount of coverage required for your area.
There are endless resources on the Internet you can use to research car insurance rates on your new Kia Optima.
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Kia Optima Vehicle Safety Ratings
Despite Kia Optima’s collision car insurance rates, it’s rated as a perfect score from the National Highway Traffic Safety Administration (NHTSA). According to the NHTSA, the 2020 Kia Optima Hybrid scored five out of five on NHTSA’s safety ratings.
These ratings are important because it shows how well the Kia Optima protects the driver if they encounter a collision with another vehicle.
Frequently Asked Questions
How can I compare car insurance rates for a Kia Optima?tional features or benefits offered.
Comparing car insurance rates for a Kia Optima can be done by following these steps:
- Research Insurance Companies: Gather a list of insurance companies that provide coverage for Kia Optima vehicles.
- Request Quotes: Contact each insurance company on your list and request a quote specifically for your Kia Optima.
- Provide Necessary Information: Be prepared to provide information about your Kia Optima, such as its make, model, year, and VIN (Vehicle Identification Number), as well as details about your driving history.
- Compare Quotes: Once you receive quotes from multiple insurers, compare the coverage options, premiums, deductibles, and any additional features or benefits offered.
- Consider Coverage Needs: Evaluate your specific coverage needs and choose a policy that offers adequate protection for your Kia Optima at a reasonable price.
What factors can influence car insurance rates for a Kia Optima?
Several factors can influence car insurance rates for a Kia Optima. These factors may include:
- Vehicle make and model: The specific Kia Optima model you own can impact insurance rates. Factors such as the vehicle’s safety features, repair costs, and likelihood of theft can influence premiums.
- Age and driving experience: Younger and less experienced drivers typically face higher insurance rates, as they are considered higher risk. The age and driving history of the primary driver of the Kia Optima can affect the rates.
- Location: The location where the Kia Optima is primarily garaged and driven can impact insurance rates. Factors such as crime rates, accident frequency, and population density in the area can influence premiums.
- Driver’s record: Your driving record, including any accidents, traffic violations, or claims, can affect insurance rates. A clean driving record with no incidents generally leads to lower premiums.
Are there any discounts available to reduce car insurance rates for a Kia Optima?
Yes, there may be discounts available to reduce car insurance rates for a Kia Optima. Some common discounts that may be applicable include:
- Multi-vehicle discount: Insuring multiple vehicles with the same insurance provider can often lead to a discount on premiums.
- Good driver discount: If you have a clean driving record with no accidents or violations, you may qualify for a good driver discount.
- Safety features discount: Kias, including the Optima, often come equipped with advanced safety features that could qualify for a discount, such as anti-lock brakes, airbags, or an anti-theft system.
- Bundling discounts: If you have other insurance policies, such as homeowners or renters insurance, bundling them with your car insurance from the same provider may result in a discount.
- Good student discount: If you or a family member who drives the Kia Optima is a full-time student with good grades, you may be eligible for a discount.
Do car insurance rates vary among insurance companies for a Kia Optima?
Yes, car insurance rates can vary among insurance companies for a Kia Optima. Each insurance company uses its own formula to calculate rates, considering factors such as the driver’s profile, vehicle details, and their claims experience. It’s essential to compare quotes from multiple insurers to find the best coverage and rates for your Kia Optima.
Can I change my car insurance policy for a Kia Optima if I find a better rate?
Yes, you have the option to change your car insurance policy for a Kia Optima if you find a better rate. However, before making any changes, it’s important to consider the terms and conditions of your current policy.
Does the trim level or additional features of the Kia Optima impact insurance rates?
Yes, the trim level and additional features of the Kia Optima can impact insurance rates. Vehicles with higher trim levels or additional features may have higher costs of repair or replacement in case of damage, which can result in higher insurance premiums. Additionally, certain features such as advanced safety systems, navigation systems, or high-end audio equipment can also impact insurance rates. When obtaining quotes, it’s important to provide details about the specific trim level and features of your Kia Optima to receive accurate insurance estimates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.