UPDATED: Jul 31, 2020
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- 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
Need help finding cheap Kia Optima insurance rates? Good drivers can save as much as $599 a year by earning policy discounts. Other significant factors that affect your Kia Optima insurance rates are the age of your Kia Optima, demographics, driving records, and more.
You can start comparing quotes for Kia Optima car insurance rates from some of the best car insurance companies by using our free online tool now.
Kia Optima Insurance Cost
The average Kia Optima car insurance costs are $1,454 a year or $121 a month.
Are Kia Optimas Expensive to Insure?
The chart below details how Kia Optima insurance rates compare to other sedans like the Nissan Sentra, Toyota Corolla, and Hyundai Sonata.
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?
You might have noticed that there is a multitude of factors that impact Kia Optima car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Kia Optima.
Age of the Vehicle
The average Kia Optima auto insurance rates are higher for newer models. For example, auto insurance for a 2020 Kia Optima costs $1,454, while 2010 Kia Optima insurance costs are $1,220, a difference of $234.
|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 can have a significant impact on Kia Optima auto insurance rates. For example, 20-year-old drivers pay approximately $1,778 more each year for their Kia Optima auto insurance than 30-year-old drivers.
Where you live can have a large impact on Kia Optima insurance rates. For example, drivers in New York may pay $378 a year more than drivers in Chicago.
Your Driving Record
Your driving record can have an impact on the cost of Kia Optima car insurance. Teens and drivers in their 20’s see the highest jump in their Kia Optima car insurance 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:
|Small overlap front: driver-side||Good|
|Small overlap front: passenger-side||Good|
|Moderate overlap front||Good|
|Head restraints and seats||Good|
|Source: Insurance Institute for Highway Safety|
Kia Optima Crash Test Ratings
Good Kia Optima crash test ratings mean the VW is safer, which could mean cheaper Kia Optima car insurance rates.
|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
The Kia Optima safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Kia Optima auto insurance rates. The 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 lower percentage means lower Kia Optima car insurance costs; higher percentages mean higher Kia Optima car insurance costs. Compare the following Kia Optima auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.
|Insurance Coverage Category||Loss Rate|
|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.
Ways to Save on Kia Optima Insurance
There are many ways that you can save on Kia Optima car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Kia Optima car insurance rates low.
- Bundle Your Kia Optima Auto Insurance with Home Insurance
- Renew Your Kia Optima Insurance Coverage to Avoid Lapses
- Compare Apples to Apples When Comparing Kia Optima Insurance Quotes and Policies
- Take Public Transit Instead of Driving Your Kia Optima
- If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
Top Kia Optima Insurance Companies
The best auto insurance companies for Kia Optima car insurance rates will offer competitive rates, discounts, and account for the Kia Optima’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.
|Source: Insurance Information Institute|
Compare Free Kia Optima Insurance Quotes Online
To start comparing Kia Optima car insurance quotes for free, use our online car insurance comparison tool.