Online Kia Optima Insurance Rates [Comparison Guide]

Kia Optima insurance costs $121/mo or $1,454/yr, which is around $5 less per month or $65 less per year than the average vehicle. On average, Kia Optima comprehensive insurance rates are $30/mo or $354/yr, collision rates are $43/mo or $517/yr, and liability rates are $34.21/mo or $410/yr for Kia Optima insurance. Drivers with good records can save up to $50/mo or $599/yr on Kia Optima insurance.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 $121 per month and $49 per month for liability-only coverage. Parents can save money for teen drivers through policy discounts. Continue reading to learn more.

You can start comparing quotes for Kia Optima insurance rates from some of the best auto insurance companies by using our free online tool now.

Kia Optima Insurance Cost

The average auto insurance costs for a Kia Optima 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 Chevrolet Sonic, Subaru Legacy, and Nissan Versa.

Vehicle Comprehensive Collision Liability Total
Kia Optima $322 $532 $420 $1,454
Chevrolet Sonic $270 $536 $398 $1,362
Subaru Legacy $370 $506 $338 $1,350
Nissan Versa $268 $542 $390 $1,358
Nissan Altima $306 $570 $390 $1,424
Dodge Charger $376 $626 $466 $1,668
Nissan Maxima $372 $630 $390 $1,550
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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 auto 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
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Driver Age

Driver age can have a significant impact on Kia Optima insurance rates. For instance, a 30-year-old driver may pay $64 more each year for Kia Optima auto insurance than a 40-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 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
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Kia Optima Crash Test Ratings

Not only do good Kia Optima crash test ratings mean you are better protected in a crash, but good Kia Optima crash ratings also mean cheaper 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
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Kia Optima Safety Features

The Kia Optima safety features can help lower insurance costs. According to AutoBlog, 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

The Kia Optima’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Kia Optima, others are more favorable and lead to lower 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
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Kia Optima Finance and Insurance Cost

If you are financing a Kia Optima, you will pay more if you purchase Kia Optima auto insurance at the dealership, so be sure to shop around and compare Kia Optima insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Kia Optima Insurance

There are several ways you can save even more on your Kia Optima insurance rates. Take a look at the following five tips:

  • Consider Renting a Car Instead of Buying a Second Kia Optima
  • Ask About Welcome Discounts
  • Understand that Your Insurer Can Change Your Kia Optima Auto Insurance Rates Mid-Term for Other Reasons
  • Ask About Kia Optima Low Mileage Discounts
  • Consider Using a Tracking Device on Your Kia Optima

Top Kia Optima Insurance Companies

The best auto insurance companies for Kia Optima insurance rates will offer competitive rates, discounts, and account for the Kia Optima’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.

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
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Compare Free Kia Optima Insurance Quotes Online

You can start comparing quotes for Kia Optima insurance rates from some of the best auto insurance companies by using our free online tool now.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

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