How to Find Cheap Kia Optima Insurance Quotes

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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Reviewed byJoel Ohman
Founder, CFP®

UPDATED: Aug 1, 2020

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Here's what you need to know...
  • 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.

VehicleComprehensiveCollisionLiabilityTotal
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.

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 YearComprehensiveCollisionLiabilityTotal
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 TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
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 TestedOverallFrontalSideRollover
2020 Kia Optima Plug-in Hybrid 4 DR FWDN/RN/RN/RN/R
2020 Kia Optima Hybrid 4 DR FWD5 stars5 stars5 stars5 stars
2020 Kia Optima 4 DR FWD5 stars5 stars5 stars5 stars
2019 Kia Optima Plug-in Hybrid 4 DR FWDN/RN/RN/RN/R
2019 Kia Optima Hybrid 4 DR FWD5 stars5 stars5 stars5 stars
2019 Kia Optima 4 DR FWD5 stars5 stars5 stars5 stars
2018 Kia Optima Plug-in Hybrid 4 DR FWDN/RN/RN/RN/R
2018 Kia Optima Hybrid 4 DR FWD5 stars5 stars5 stars5 stars
2018 Kia Optima 4 DR FWD5 stars5 stars5 stars5 stars
2017 Kia Optima Plug-in Hybrid 4 DR FWDN/RN/RN/RN/R
2017 Kia Optima Hybrid 4 DR FWD5 stars5 stars5 stars5 stars
2017 Kia Optima 4 DR FWD5 stars5 stars5 stars5 stars
2016 Kia Optima Hybrid 4 DR FWD5 stars5 stars5 stars5 stars
2016 Kia Optima 4 DR FWD5 stars5 stars5 stars5 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 CategoryLoss Rate
Collision15%
Property Damage1%
Comprehensive7%
Personal Injury33%
Medical Payment42%
Bodily Injury20%
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.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
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.

Kia Optima Car Insurance Rates by Make and Model Year
Model YearAnnual Comprehensive RatesAnnual Collision RatesAnnual Liability RatesTotal 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
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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 airbags
  • 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.

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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.

Kia Optima Car Insurance FAQs

Now that you know how much Kia Optima car insurance costs, let’s go over a few frequently asked questions. You may have seen these questions on search engines across the internet. So, we’re going to answer them in this final section.

If you want to see Kia Optima car insurance quote right now, enter your ZIP code in the FREE comparison tool below!

#1 – What is the cheapest car to insure?

The cheapest cars to insure are compact sedans and compact SUVs. Toyota, Honda, Chevrolet, and Ford sedans and SUVs have some of the most affordable car insurance rates.

#2 – Are Kia Optima reliable cars?

According to Repair Pal, the Kia Optima has a reliability score of 4.0 out of 5.0.

#3 – Is it better to call for car insurance?

It depends on what you need. If you have something specific that your car insurance company needs to know, you should call. If you’re searching for car insurance and time is of the essence, use the internet.

Car insurance companies like Root Insurance use smartphone apps where customers can sign up for car insurance.

#4 – What is the best place to get car insurance?

That would depend on who’s search for car insurance. The quickest way to get car insurance is online. For a more personal experience, you should call a car insurance agent.

#5 – How much does a Kia Forte insurance cost?

Kia Forte car insurance cost $1,352 per year or $113 per month.

#6 – What are the worst insurance companies?

Many websites report on car insurance companies that are the worst. We’ll leave the answer to that question to the reviews you find over the internet.

#7 – Why are Kia cars so expensive to insure?

Kia car insurance, like the Kia Optima insurance, is high because of parts and repairs on the vehicle are expensive.

 

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