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 insuranc...

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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 also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a used Kia Optima? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Kia Optima car insurance facts

  • Average full coverage auto insurance premium: $130/month

  • Most affordable companies: USAA ($81/month) & Auto-Owners ($84/month)

  • Optima car insurance cost vs. average rates: $25 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Kia Optima by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

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

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Below average Kia Optima insurer costs by state:

Risk factors affecting Kia Optima car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Kia Optima car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Kia models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Kia automobile brand

Kia Corporation is a South Korean multinational automaker specializing in affordable sport utility vehicles (SUVs) and exceptional reliability for the United States market. Kia is the second-largest auto manufacturer in South Korea after Hyundai. The target audience of Kia is young couples that are physically active with a high interest in new technology. All Kia automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Kia Forte, Kia Soul, Optima, and Kia Sorento are some of their most popular vehicles.

High Kia Optima repair costs equal high coverage rates

Many consumers are attracted to Kia’s high-tech innovations and features, increased value for the money, and driver-assist technologies, like Kia’s DriveWise safety features. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Kia is higher than average since repair parts are slightly more expensive. For this reason, many Kias are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Kia Optima affecting auto policies

Another factor to consider for Kia is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Kia models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Kia IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Kias are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Kia’s DriveWise technology innovations and safety, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Kia models. The Kia Forte, Stinger, Sportage, and Sorento are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Kia automobiles top safety ratings each year lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Kia automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2020 Kia Optima

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1699
American Family$1411
Auto-Owners$990
Erie$1123
Farmers$1365
GEICO$1149
Mercury$1574
MetLife$2064
Nationwide$1240
Progressive$1065
Safe Auto$1846
State Farm$1287
Tennessee Farmers$1459
Travelers$1782
USAA$975
Vermont Mutual$1961

Compare all 2020 Kia Optima rates

Average Cost to Insure Per Year

$1560

List Price

$23390

Trims Available

LX - S - LX Turbo - EX - SX Turbo - Base Engine: 185-horsepower 2.4-liter four-cylinder with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2019 Kia Optima

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1689
American Family$1359
Auto-Owners$986
Direct Auto$1564
Erie$1046
Farmers$1280
GEICO$1150
MetLife$2059
Nationwide$1169
Progressive$1025
Safe Auto$1832
State Farm$1243
Tennessee Farmers$1481
Travelers$1765
USAA$935
Vermont Mutual$1953

Compare all 2019 Kia Optima rates

Average Cost to Insure Per Year

$1530

List Price

$22990

Trims Available

LX - S - LX Turbo - EX - SX Turbo - Base Engine: 185-horsepower 2.4-liter four-cylinder with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2018 Kia Optima

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1311
Acuity$ 1311
Allied$ 1316
Allied$ 1316
Country$ 1399
Country$ 1399
Erie$ 1075
Erie$ 1075
GEICO$ 1115
GEICO$ 1115
Nationwide$ 1327
Nationwide$ 1327
Plymouth Rock Insurance$ 1309
Plymouth Rock Insurance$ 1309
Progressive$ 1202
Progressive$ 1202
State Farm$ 1303
State Farm$ 1303
Tennessee Farmers$ 1112
Tennessee Farmers$ 1112
USAA$ 1000
USAA$ 1000
Vermont Mutual$ 1272
Vermont Mutual$ 1272

Compare all 2018 Kia Optima rates

Average Cost to Insure Per Year

$ 1451

List Price

$ 22600

Trims Available

LX - S - LX Turbo - EX - SX Turbo

2017 Kia Optima

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1336
Acuity$ 1336
Allied$ 1365
Allied$ 1365
Country$ 1430
Country$ 1430
Erie$ 1108
Erie$ 1108
GEICO$ 1407
GEICO$ 1407
Mercury$ 1407
Mercury$ 1407
Plymouth Rock Insurance$ 1279
Plymouth Rock Insurance$ 1279
Progressive$ 1367
Progressive$ 1367
Tennessee Farmers$ 1317
Tennessee Farmers$ 1317
Texas Farm Bureau$ 897
Texas Farm Bureau$ 897
USAA$ 1027
USAA$ 1027
Vermont Mutual$ 1270
Vermont Mutual$ 1270

Compare all 2017 Kia Optima rates

Average Cost to Insure Per Year

$ 1361

List Price

$ 22200

Trims Available

LX - LX Turbo - EX - SX Turbo - SXL Turbo

2016 Kia Optima

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1200
Acuity$ 1200
Allied$ 1369
Allied$ 1369
Arbella$ 1295
Arbella$ 1295
Country$ 1268
Country$ 1268
Erie$ 1029
Erie$ 1029
GEICO$ 1129
GEICO$ 1129
Plymouth Rock Insurance$ 1246
Plymouth Rock Insurance$ 1246
Progressive$ 1275
Progressive$ 1275
Tennessee Farmers$ 1066
Tennessee Farmers$ 1066
Texas Farm Bureau$ 878
Texas Farm Bureau$ 878
USAA$ 1011
USAA$ 1011
Vermont Mutual$ 1095
Vermont Mutual$ 1095

Compare all 2016 Kia Optima rates

Average Cost to Insure Per Year

$ 1278

List Price

$ 22140

Trims Available

LX - LX Turbo - EX - SX Turbo - SXL Turbo

2015 Kia Optima

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1177
Acuity$ 1177
Arbella$ 1298
Arbella$ 1298
Country$ 1238
Country$ 1238
Erie$ 956
Erie$ 956
GEICO$ 871
GEICO$ 871
Plymouth Rock Insurance$ 1245
Plymouth Rock Insurance$ 1245
Progressive$ 1093
Progressive$ 1093
State Farm$ 1113
State Farm$ 1113
Tennessee Farmers$ 1070
Tennessee Farmers$ 1070
Texas Farm Bureau$ 860
Texas Farm Bureau$ 860
USAA$ 877
USAA$ 877
Vermont Mutual$ 1051
Vermont Mutual$ 1051

Compare all 2015 Kia Optima rates

Average Cost to Insure Per Year

$ 1168

List Price

$ 21840

Trims Available

LX - EX - SX - SX Turbo - SXL Turbo

2014 Kia Optima

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1095
Acuity$ 1095
Arbella$ 1227
Arbella$ 1227
Country$ 1191
Country$ 1191
Erie$ 939
Erie$ 939
GEICO$ 857
GEICO$ 857
Plymouth Rock Insurance$ 1214
Plymouth Rock Insurance$ 1214
Progressive$ 1133
Progressive$ 1133
State Farm$ 1175
State Farm$ 1175
Tennessee Farmers$ 1026
Tennessee Farmers$ 1026
Texas Farm Bureau$ 818
Texas Farm Bureau$ 818
USAA$ 887
USAA$ 887
Vermont Mutual$ 977
Vermont Mutual$ 977

Compare all 2014 Kia Optima rates

Average Cost to Insure Per Year

$ 1153

List Price

$ 21500

Trims Available

LX - EX - SX - SX Turbo - SXL Turbo

2013 Kia Optima

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1087
Acuity$ 1087
American Family$ 1167
American Family$ 1167
Arbella$ 1138
Arbella$ 1138
Erie$ 931
Erie$ 931
GEICO$ 802
GEICO$ 802
Plymouth Rock Insurance$ 1180
Plymouth Rock Insurance$ 1180
Progressive$ 1083
Progressive$ 1083
State Farm$ 1038
State Farm$ 1038
Tennessee Farmers$ 1007
Tennessee Farmers$ 1007
Texas Farm Bureau$ 805
Texas Farm Bureau$ 805
USAA$ 833
USAA$ 833
Vermont Mutual$ 937
Vermont Mutual$ 937

Compare all 2013 Kia Optima rates

Average Cost to Insure Per Year

$ 1098

List Price

$ 21350

Trims Available

LX - EX - SX - SXL

2012 Kia Optima

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1018
Acuity$ 1018
American Family$ 1114
American Family$ 1114
Arbella$ 1122
Arbella$ 1122
Erie$ 846
Erie$ 846
GEICO$ 675
GEICO$ 675
Plymouth Rock Insurance$ 1141
Plymouth Rock Insurance$ 1141
Progressive$ 974
Progressive$ 974
State Farm$ 931
State Farm$ 931
Tennessee Farmers$ 958
Tennessee Farmers$ 958
Texas Farm Bureau$ 778
Texas Farm Bureau$ 778
USAA$ 806
USAA$ 806
Vermont Mutual$ 857
Vermont Mutual$ 857

Compare all 2012 Kia Optima rates

Average Cost to Insure Per Year

$ 1017

List Price

$ 19500

Trims Available

LX - EX - EX Turbo - SX Turbo

2011 Kia Optima

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1107
Acuity$ 1107
Allied$ 1061
Allied$ 1061
American Family$ 1090
American Family$ 1090
Arbella$ 939
Arbella$ 939
Country$ 1054
Country$ 1054
Erie$ 547
Erie$ 547
GEICO$ 995
GEICO$ 995
Plymouth Rock Insurance$ 1094
Plymouth Rock Insurance$ 1094
Tennessee Farmers$ 915
Tennessee Farmers$ 915
Texas Farm Bureau$ 840
Texas Farm Bureau$ 840
USAA$ 842
USAA$ 842
Vermont Mutual$ 763
Vermont Mutual$ 763

Compare all 2011 Kia Optima rates

Average Cost to Insure Per Year

$ 1083

List Price

$ 18995

Trims Available

LX - EX - EX Turbo - SX Turbo