Kia Optima Insurance Rates [How to Find Low Rates Online]

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Mar 10, 2021

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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

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.

What does Kia Optima insurance cost?

The average Kia Optima car insurance costs 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 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
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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?

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
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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 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 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 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

Good Kia Optima crash test ratings mean the VW is safer, which could mean cheaper Kia Optima 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
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What safety features does the Kia Optima have?

The Kia Optima safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Kia Optima 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 Kia Optima’s 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
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.

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How can you save money on your insurance services?

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 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

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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Compare Free Kia Optima Insurance Quotes Online

To start comparing Kia Optima car insurance quotes for free, use our online car insurance comparison tool.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
5
5
5
5
2014
5
5
5
5
2013
5
5
5
5
2012
5
5
5
5
2011
5
5
5
5

Crash Avoidence Features

Forward Collision Auto Brake

Not Available

Lane Departure Warning

Not Available

Land Departure Prevention

Not Available

Blind Spot Detection

Optional

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