KIA Optima Car Insurance Cost 2025
The average cost of insuring a KIA Optima is $882 per year, but your actual premium may vary based on several factors, including your age, driving history, location, and the model year of your vehicle. To get a more accurate estimate tailored to your situation, you can refer to our quote tables below.
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If you’re contemplating purchasing a KIA Optima, it’s important to factor in the cost of insurance. On average, insurance for a KIA Optima costs $882 per year. 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, KIA Optima drivers can expect to pay $882 per year for car insurance. However, the actual rate may vary depending on factors like your age, location, driving history, and the specific model year of your vehicle.
The cost of car insurance can vary significantly due to several factors. These include your location, driving history, the model year of your car, and the type of coverage you choose. Maintaining a clean driving record typically leads to lower premiums, while a history of accidents or violations may increase your rates.
Living in an urban area with heavy traffic often results in higher insurance rates compared to rural areas. Additionally, the level of coverage you select plays a key role in determining your premium—comprehensive insurance, which covers both comprehensive and collision, is generally more expensive than minimum liability coverage.
As shown in the table below, the cost of insurance for a KIA Optima is higher than the average cost for all KIA models, though still more affordable compared to the overall average for all cars.
Insuranceopedia can help you compare quotes from different auto insurance providers, ensuring you find the most cost-effective policy for your needs.
| Vehicle | Average Monthly Premium |
| KIA Optima | $186 |
| All KIAs | $171 |
| All Cars | $175 |
Average Insurance Cost Of KIA Optima By Model Year
| Model Year | Average Premium |
| 2023 KIA Optima | $1,683 |
| 2022 KIA Optima | $2,829 |
| 2021 KIA Optima | $1,224 |
| 2020 KIA Optima | $801 |
| 2019 KIA Optima | $763 |
| 2018 KIA Optima | $580 |
| 2017 KIA Optima | $877 |
| 2016 KIA Optima | $715 |
| 2015 KIA Optima | $465 |
| 2014 KIA Optima | $701 |
| 2013 KIA Optima | $438 |
| 2012 KIA Optima | $667 |
| 2011 KIA Optima | $597 |
| 2010 KIA Optima | $782 |
2023 KIA Optima Insurance Rates
The average annual insurance cost for a 2023 KIA Optima is $1,683. However, Allied offers the cheapest rates, averaging $882 per year.
| Insurance Provider | Average Annual Cost |
| Allied | $882 |
| Unigard | $1,411 |
| Metropolitan | $2,154 |
| Farmers | $2,285 |
2022 KIA Optima Insurance Rates
The average annual insurance cost for a 2022 KIA Optima is $2,829. However, Mercury offers the cheapest rates, averaging $2,035 per year.
| 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
The average annual insurance cost for a 2021 KIA Optima is $1,224. However, Capital Insurance Group offers the cheapest rates, averaging $984 per year.
| 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
The average annual insurance cost for a 2020 KIA Optima is $801. However, Kemper Auto Premier offers the cheapest rates, averaging $112 per year.
| 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
The average annual insurance cost for a 2019 KIA Optima is $763. However, Safeco offers the cheapest rates, averaging $193 per year.
| 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
The average annual insurance cost for a 2018 KIA Optima is $580. However, Safeco offers the cheapest rates, averaging $39 per year.
| 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
The average annual insurance cost for a 2017 KIA Optima is $877. However, Safeco offers the cheapest rates, averaging $197 per year.
| 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
The average annual insurance cost for a 2016 KIA Optima is $715. However, Safeco offers the cheapest rates, averaging $130 per year.
| 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 |
Find Affordable KIA Optima Insurance Rates
2015 KIA Optima Insurance Rates
The average annual insurance cost for a 2015 KIA Optima is $465. However, Safeco offers the cheapest rates, averaging $88 per year.
| 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
The average annual insurance cost for a 2014 KIA Optima is $701. However, Safeco offers the cheapest rates, averaging $118 per year.
| 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
The average annual insurance cost for a 2013 KIA Optima is $438. However, Safeco offers the cheapest rates, averaging $33 per year.
| 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
The average annual insurance cost for a 2012 KIA Optima is $667. However, Mercury Insurance offers the cheapest rates, averaging $48 per year.
| 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
The average annual insurance cost for a 2011 KIA Optima is $597. However, Safeco offers the cheapest rates, averaging $56 per year.
| 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
The average annual insurance cost for a 2010 KIA Optima is $782. However, Kemper Auto Premier offers the cheapest rates, averaging $594 per year.
| 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 KIA Optima Insurance Rates
Is A KIA Optima Expensive To Insure?
The cost of insuring a KIA Optima is higher than the average cost for all cars. However, your actual insurance premium will depend on several factors, including your age, the model year of your car, where you live, and other personal details. It’s essential to consider these variables when estimating your car insurance costs.
Cost of KIA Optima Car Insurance By Age
Age is a major factor in setting car insurance rates. Teenagers usually face the highest premiums due to their higher accident rates compared to other age groups. As you get older and gain more driving experience, your premiums generally decrease because you’re considered a lower risk by insurers.
| 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
Your location can significantly impact your car insurance rates. Each state has different regulations and coverage requirements. For instance, drivers in Michigan often face higher premiums due to the state’s higher coverage mandates. Weather conditions, like hurricanes or floods, can also increase rates in areas prone to such events. Additionally, crime rates and auto accident statistics in your area, including vehicle thefts and fatality rates, influence the cost of insurance. Insurers take all these factors into account when determining your insurance premium for a KIA Optima.
| 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 |
Find Affordable KIA Optima Insurance Rates
Cheapest Car Insurance Companies For A KIA Optima
If you’re looking for the most affordable car insurance for your KIA Optima, Hugo offers a premium of $40 per month, making them the cheapest provider on average. However, keep in mind that insurance rates can vary based on your unique driver profile. To ensure you’re getting the best deal, it’s a good idea to shop around and compare quotes from multiple providers. This way, you can find the most affordable option tailored to your needs.
| Company | Average Monthly Rate |
| MetroMile | $58 |
| Clearcover | $56 |
| Aspire | $44 |
| Workmens | $59 |
| Hugo | $40 |
Common KIA Optima Insurance Discounts
Discounts can be an excellent way to reduce your car insurance costs. Here are some common discounts you might be eligible for:
- Multi-policy discount: If you bundle your home and auto insurance policies with the same provider, you can often enjoy a discounted rate.
- Pay annually: If you pay your premium all at once instead of in monthly installments, many providers offer a discount.
- Defensive driving: Completing a defensive driving course from a certified institution can make you eligible for lower rates.
There are also other potential discounts based on your situation. It’s a good idea to talk to your insurance agent to find out which discounts apply to you and help you save on premiums.
Ways To Save On KIA Optima Insurance Costs
Maintaining a clean driving record is key to keeping your insurance premiums low. For KIA Optima drivers, having a ticket on your record can increase your monthly premium to around $99, while those with multiple accidents can expect an average of $150 per month. By avoiding traffic violations and accidents, you can keep your rates much lower.
Another important factor is your annual mileage. The less you drive, the lower your risk of accidents, and consequently, your premiums may be lower. For example, KIA Optima drivers who drive between 5,001-7,500 miles per year typically pay about $86 per month, while those who drive over 10,000 miles annually might pay $90 per month.
By being mindful of these factors, you can work toward keeping your KIA Optima insurance costs more affordable.
Compare KIA Optima To Other KIA Models
Looking for other Kia model insurance costs?
- KIA Cadenza Car Insurance
- KIA Forte Car Insurance
- KIA Niro Car Insurance
- KIA Rio Car Insurance
- KIA Sedona Car Insurance
- KIA Sorento Car Insurance
- KIA Soul Car Insurance
- KIA Sportage Car Insurance
- KIA Stinger Car Insurance
- KIA Telluride Car Insurance
- KIA K900 Car Insurance
- KIA Soul EV Car Insurance
Our Methodology
To calculate average car insurance costs, Insuranceopedia compiled data from thousands of quotes provided by leading auto insurance companies. The sample used for this calculation was based on a 40-year-old male driver purchasing full-coverage car insurance. The coverage limits used for the sample were $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind, however, that the figures provided in this guide may vary depending on your individual circumstances and profile. Factors such as age, location, driving history, and coverage choices will affect your actual rates.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A KIA Optima?
Yes, when purchasing a new car, including a KIA Optima, you will need to provide proof of insurance before driving it off the dealership lot. It’s a good idea to secure a policy beforehand and inform your insurance company that you’re about to purchase the car. This way, you can avoid getting insurance through the dealership, which may not offer the best rates or coverage options for your needs.
How Can You Get The Cheapest Insurance For Your KIA Optima?
The best way to secure the most affordable insurance for your KIA Optima is by shopping around and comparing quotes from different auto insurance providers. Platforms like Insuranceopedia make this process easier by allowing you to compare multiple quotes in one place, helping you find the best deal tailored to your needs. Always make sure to review different coverage options and discounts to get the most value for your money!
