Buy Cheap Kia Optima Auto Insurance in 2024
If you want to buy affordable Kia Optima insurance coverage then you should know that a policy will cost $121 per month ($1,454 per year) on average. On average, Kia Optima comprehensive insurance coverage costs $354, collision coverage costs $517, and liability coverage costs $410.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Jan 24, 2024
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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
- 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 insurance rates are the age of your car, 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.
What does Kia Optima insurance cost?
The average car insurance rates for a Kia Optima are around $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 Nissan Sentra, Toyota Corolla, and Hyundai Sonata based on different coverage products.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Optima | $322 | $532 | $420 | $1,454 |
| Nissan Sentra | $254 | $570 | $390 | $1,372 |
| Toyota Corolla | $294 | $542 | $390 | $1,384 |
| Hyundai Sonata | $294 | $532 | $420 | $1,426 |
| Chevrolet Impala | $280 | $532 | $372 | $1,342 |
| Volkswagen Passat | $332 | $600 | $390 | $1,480 |
| Ford Focus | $244 | $536 | $398 | $1,336 |
However, there are a few things you can do to find the cheapest Kia insurance rates online.
Read more:
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.
| 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 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.
Driver Location
Where you live can have a large impact on 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 car insurance because that is how providers can determine the risks of covering you. Younger customers, like teens and drivers in their 20’s see the highest jump in their Kia Optima car insurance with violations on their driving record.
Does this car have good safety ratings?
The Kia Optima’s safety ratings will affect your 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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What are the Kia Optima crash test ratings?
Good Kia Optima crash test ratings mean the VW is safer, which could mean cheaper car insurance rates.
| 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 | ||||
|---|---|---|---|---|
What safety features does the Kia Optima have?
Safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your vehicle insurance rates. It is common for providers to offer discounts when your vehicle is equipped with features that are designed for your protection. You can talk to an agent to learn about what discounts you’ll have access to.
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
What is the insurance loss probability?
The lower percentage means lower car insurance costs; higher percentages mean higher 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 |
| 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 Costs: What should you expect?
If you are financing a Kia Optima, you will most likely be required to carry full coverage.
Keep in mind, you will likely pay more if you purchase auto insurance at the dealership, so be sure to shop around and compare auto insurance quotes from the best insurance providers using our FREE tool below.
How can you save money on your insurance services?
There are many ways that you can save on car insurance to get the best value possible. Below are five scenarios you can explore to help keep your rates low.
- Bundle Your Auto Insurance with Home Insurance
- Renew Your Insurance Coverage to Avoid Lapses
- Compare Apples to Apples When Comparing Insurance Quotes and Policies
- Take Public Transit Instead of Driving Your Car
- If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
What are the 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.
| 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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