Compare Kia Optima Insurance Rates [How to Find Cheap Rates]
Average Kia Optima auto insurance rates cost $1,454 a year, or around $121 a month. On average, Kia Optima comprehensive insurance coverage costs $354, collision coverage costs $517, and liability coverage costs $410.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Jun 18, 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 cost as low as $49 per month for liability-only coverage and $121 per month for full coverage. Drivers with a clean driving record can save up to $600 per year, but teen drivers can pay up to $443 per month. Read through this guide to find out how you can lower Kia Optima insurance rates.
You can start comparing quotes for Kia Optima auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Table of Contents
Kia Optima Insurance Cost
The average Kia Optima auto 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 Toyota Corolla, Toyota Camry, and Nissan Sentra.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Optima | $322 | $532 | $420 | $1,454 |
| Toyota Corolla | $294 | $542 | $390 | $1,384 |
| Toyota Camry | $294 | $570 | $390 | $1,412 |
| Nissan Sentra | $254 | $570 | $390 | $1,372 |
| Chevrolet Malibu | $322 | $532 | $372 | $1,384 |
| Honda Civic | $280 | $656 | $420 | $1,536 |
| Chevrolet Cruze | $308 | $594 | $372 | $1,432 |
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 will affect the total price you will pay for Kia Optima insurance coverage.
Age of the Vehicle
Older Kia Optima models generally cost less to insure. For example, auto insurance rates for a 2020 Kia Optima are $1,454, while 2010 Kia Optima rates 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 Kia Optima auto insurance rates. For example, 30-year-old drivers pay $64 more for Kia Optima auto insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Kia Optima insurance rates. For example, drivers in Jacksonville may pay $872 a year more than drivers in Indianapolis.
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
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
Kia Optima crash test ratings can impact the cost of your Kia Optima auto insurance. See Kia Optima crash test results below:
| 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
Having a variety of safety features on your Kia Optima can help lower your insurance costs. According to AutoBlog, the 2020 Kia Optima’s safety features include:
- 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 probability varies for each form of coverage. The lower percentage means lower Kia Optima auto 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, you will pay more if you purchase Kia Optima auto insurance at the dealership, so be sure to shop around and compare Kia Optima auto insurance quotes from the best companies using our FREE tool below.
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5 Ways to Save on Kia Optima Insurance
There are many ways that you can save on Kia Optima auto insurance to get the best value possible. Below are five scenarios you can explore to help keep your Kia Optima auto insurance rates low.
- Pay Your Kia Optima Insurance Rates Upfront
- Take a Defensive Driving Course or Any Driver’s Education Course
- Carpool to Work Instead of Driving Your Kia Optima
- Watch Your Insurer Closely When Your Kia Optima Needs Repairs
- Understand the Different Types of Auto Insurance for Your Kia Optima
Top Kia Optima Insurance Companies
Who is the top auto 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
You can start comparing quotes for Kia Optima auto insurance rates from some of the best auto insurance companies by using our free online tool now.