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Key takeaways:
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
The average Kia Optima auto insurance rates are $1,454 a year or $121 a month.
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.
The Kia Optima trim and model you choose will affect the total price you will pay for Kia Optima insurance coverage.
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 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.
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 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.
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 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 | ||||
|---|---|---|---|---|
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:
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 | |
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.
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.
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 | |||
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.
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