KIA Optima Car Insurance Cost
Insuring a KIA Optima typically costs around $882 per year with Allied Insurance. However, this price may differ depending on factors such as your age, your car’s model year, and other personal factors. You can use the quote tables below to get a more precise estimate that fits your individual situation.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re contemplating purchasing a KIA Optima, it’s important to factor in the cost of insurance. Insurance is a significant aspect of car ownership, so it’s crucial to grasp the financial implications before making a decision.
Selecting the appropriate car insurance is vital to avoid unexpected and potentially high expenses down the road. It’s essential to have adequate coverage to avoid hefty out-of-pocket costs in the event of an accident. Additionally, if you’re deemed responsible for an accident, your insurance rates may rise.
Having analyzed car insurance rates for over ten years, I’ve noticed substantial variations in costs. Factors such as age, driving history, and location significantly influence insurance premiums.
How Much Does KIA Optima Car Insurance Cost?
On average, Allied offers the most competitive price, with full coverage insurance for a 2023 KIA Optima costing $882 per year.
While Allied’s price provides a helpful point of reference, it’s important to understand that car insurance expenses can vary significantly depending on several factors. These factors include where you live, your driving history, the age of your car, and the specific coverage options you choose. Generally, having a clean driving record leads to lower premiums, while a history of accidents or traffic violations may result in higher costs.
Additionally, living in urban areas with heavy traffic often means higher insurance rates compared to rural areas with lighter traffic. Your choice of coverage also impacts your premium; for example, full coverage insurance, which includes comprehensive and collision coverage, typically comes with a higher price tag than minimum liability coverage.
Insuranceopedia can help you navigate the insurance market by allowing you to compare quotes from different providers, ensuring you find the best deal for your needs.
2023 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Allied | $882 |
| Unigard | $1,411 |
| Metropolitan | $2,154 |
| Farmers | $2,285 |
2022 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Direct Auto | $1,106 |
| Mercury | $2,035 |
| Nationwide | $2,287 |
| Direct General Insurance | $3,133 |
| Metropolitan | $3,254 |
| Travelers | $3,311 |
| Unitrin | $4,675 |
2021 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $984 |
| Sentry | $1,148 |
| USAA | $1,159 |
| Oregon Mutual | $1,187 |
| Allied | $1,201 |
| Mutual Of Enumclaw | $1,220 |
| Clearcover | $1,264 |
| Travelers | $1,325 |
| Unigard | $1,318 |
| Unitrin | $1,435 |
2020 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Bear River | $1,237 |
| SECURA Insurance | $1,165 |
| Titan | $1,136 |
| Kemper Personal Insurance | $161 |
| Safeco | $229 |
| Indiana Farmers Mutual Ins | $1,200 |
| NatGen Advantage | $1,122 |
| American National P | $1,165 |
| Kemper Auto Premier | $112 |
| Mercury Insurance | $478 |
2019 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $777 |
| MMG Insurance Company | $1,161 |
| Indiana Farmers Mutual Ins | $1,213 |
| Kemper Auto Premier | $262 |
| NatGen PPA | $864 |
| Concord Group | $1,170 |
| Safeco | $193 |
| Kemper Personal Insurance | $444 |
| Mercury Insurance | $1,044 |
| Dairyland FR Bond | $505 |
2018 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Plymouth Rock | $275 |
| Mercury Insurance | $584 |
| NatGen PPA | $990 |
| NatGen Advantage | $708 |
| Kemper Personal Insurance | $207 |
| Utica National Ins Group | $1,101 |
| Kemper Auto Premium | $143 |
| AssuranceAmerica | $928 |
| American National P&C | $827 |
| Safeco | $39 |
2017 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| MMG Insurance Company | $1,092 |
| Safeco | $197 |
| National General RAD | $684 |
| NatGen PPA | $816 |
| Mercury Insurance | $647 |
| Concord Group | $1,128 |
| AssuranceAmerica | $1,189 |
| Kemper Auto Premier | $1,017 |
| AssuranceAmerica Economy | $886 |
| SECURA Insurance | $1,114 |
2016 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $815 |
| Utica National Ins Group | $980 |
| Dairyland Broadform | $849 |
| NatGen Advantage | $1,070 |
| Safeco | $130 |
| AssuranceAmerica Mobile Max | $306 |
| AssuranceAmerica | $743 |
| Mercury Insurance Company | $887 |
| American National P | $1,036 |
| Kemper Auto Premium | $332 |
2015 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $145 |
| Mercury Insurance | $672 |
| Dairyland Auto 1 Month | $295 |
| Dairyland Broadform | $519 |
| NatGen PPA | $768 |
| American National P | $820 |
| Kemper Auto Premium | $155 |
| Kemper Auto Premier | $552 |
| Dairyland FR Bond | $631 |
| Safeco | $88 |
2014 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $897 |
| Mercury Insurance | $795 |
| Dairyland FR Bond | $738 |
| Mercury Insurance Company | $928 |
| Kemper Auto Premier | $733 |
| AssuranceAmerica Mobile Max | $750 |
| Kemper Personal Insurance | $233 |
| Concord Group | $879 |
| Buckeye Insurance Group | $934 |
| Safeco | $118 |
2013 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $514 |
| Safeco | $33 |
| Dairyland Auto 1 Month | $181 |
| Dairyland FR Bond | $390 |
| Concord Group | $674 |
| Kemper Auto Premier | $743 |
| Commerce Group Inc | $769 |
| Kemper Personal Insurance | $60 |
| AssuranceAmerica Mobile Max | $321 |
| Mercury Insurance | $692 |
2012 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Concord Group | $825 |
| PEMCO | $910 |
| Infinity Special | $842 |
| MMG Insurance Company | $864 |
| Utica National Ins Group | $787 |
| Kemper Personal Insurance | $993 |
| American National P | $945 |
| Mercury Insurance | $48 |
| Kemper Auto Premier | $344 |
| Safeco | $115 |
2011 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Concord Group | $742 |
| Kemper Personal Insurance | $566 |
| Safeco | $56 |
| MMG Insurance Company | $709 |
| American National P | $676 |
| NatGen PPA | $445 |
| SECURA Insurance | $927 |
| Mercury Insurance | $338 |
| North Carolina Farm Bureau | $605 |
| Patriot Group | $904 |
2010 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $837 |
| SECURA Insurance | $806 |
| Infinity Special | $917 |
| Clearcover | $825 |
| MMG Insurance Company | $701 |
| Concord Group | $725 |
| PEMCO | $793 |
| Kemper Auto Premier | $594 |
| Kemper Premium | $857 |
| American National P | $768 |
Find Affordable Rates Today
Cost of KIA Optima Car Insurance By Age
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,001 | $11,630 | $13,638 |
| 18 | $7,427 | $10,922 | $12,743 |
| 19 | $6,512 | $9,601 | $11,241 |
| 20 | $5,707 | $8,364 | $9,831 |
| 21 | $4,746 | $7,035 | $8,266 |
| 22 | $4,692 | $6,895 | $8,045 |
| 23 | $4,051 | $6,040 | $6,989 |
| 24 | $3,870 | $5,738 | $6,625 |
| 25 | $3,372 | $4,936 | $5,714 |
| 30 | $2,623 | $3,780 | $4,524 |
| 35 | $2,486 | $3,581 | $4,220 |
| 40 | $2,387 | $3,472 | $4,057 |
| 45 | $2,263 | $3,360 | $3,943 |
| 55 | $2,132 | $3,073 | $3,612 |
| 65 | $2,229 | $3,252 | $3,795 |
| 75 | $2,771 | $4,076 | $4,760 |
KIA Optima Car Insurance Rates By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,459 | $3,565 | $4,550 |
| Alaska | $2,105 | $2,899 | $2,730 |
| Arizona | $2,288 | $3,326 | $4,943 |
| Arkansas | $2,558 | $4,006 | $4,371 |
| California | $2,837 | $4,996 | $2,853 |
| Colorado | $2,614 | $3,701 | $4,663 |
| Connecticut | $3,358 | $5,293 | $6,628 |
| Delaware | $2,765 | $3,697 | $4,808 |
| Florida | $3,377 | $4,597 | $6,022 |
| Georgia | $2,718 | $4,028 | $4,084 |
| Hawaii | $1,057 | $1,465 | $1,107 |
| Idaho | $1,899 | $2,540 | $3,007 |
| Illinois | $1,991 | $3,019 | $3,414 |
| Indiana | $2,069 | $3,130 | $3,485 |
| Iowa | $1,629 | $2,225 | $2,619 |
| Kansas | $2,101 | $3,106 | $3,616 |
| Kentucky | $3,055 | $4,553 | $5,370 |
| Louisiana | $4,016 | $6,046 | $6,546 |
| Maine | $1,470 | $2,095 | $3,037 |
| Maryland | $2,478 | $3,563 | $3,941 |
| Massachusetts | $1,913 | $3,360 | $1,931 |
| Michigan | $4,675 | $7,174 | $11,319 |
| Minnesota | $1,964 | $2,558 | $3,617 |
| Mississippi | $2,385 | $3,321 | $3,331 |
| Missouri | $2,243 | $3,175 | $4,128 |
| Montana | $2,228 | $3,113 | $3,625 |
| Nebraska | $1,928 | $2,824 | $3,065 |
| Nevada | $3,073 | $4,596 | $4,930 |
| New Hampshire | $2,220 | $3,444 | $4,307 |
| New Jersey | $2,373 | $3,771 | $4,929 |
| New Mexico | $2,469 | $3,657 | $3,799 |
| New York | $2,265 | $2,873 | $4,730 |
| North Carolina | $1,359 | $2,398 | $1,732 |
| North Dakota | $1,953 | $2,950 | $3,435 |
| Ohio | $1,666 | $2,642 | $2,720 |
| Oklahoma | $2,696 | $3,870 | $4,415 |
| Oregon | $2,508 | $3,335 | $4,020 |
| Pennsylvania | $2,065 | $3,073 | $3,599 |
| Rhode Island | $3,543 | $5,094 | $5,729 |
| South Carolina | $2,378 | $3,310 | $4,570 |
| South Dakota | $2,159 | $3,023 | $3,547 |
| Tennessee | $2,479 | $3,730 | $4,940 |
| Texas | $2,495 | $3,636 | $4,547 |
| Utah | $2,120 | $3,048 | $4,188 |
| Vermont | $1,614 | $2,541 | $2,712 |
| Virginia | $1,563 | $2,440 | $2,320 |
| Washington | $2,080 | $2,755 | $3,357 |
| West Virginia | $2,080 | $3,003 | $3,763 |
| Wisconsin | $2,046 | $3,270 | $3,698 |
| Wyoming | $1,911 | $2,723 | $2,913 |
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Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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