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Kia Optima Insurance Rates [Guide + Free Quotes]

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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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 15, 2020

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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.

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 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.

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

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 Los Angeles may pay $799 a year more than drivers in Phoenix.

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.

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

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

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

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

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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to 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

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

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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