Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

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.

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
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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 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
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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
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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
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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
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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 auto insurance quotes from the best companies using our FREE tool below.

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

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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
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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.