+120 more)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Kia Optima drivers pay an average of $166 per month for car insurance.
USAA offers the cheapest auto insurance for the Kia Optima, averaging $86 per month.
The Optima’s higher theft rates increase premiums, but choosing a lower trim level and taking advantage of discounts can help lower your costs.
If you’re shopping for insurance for your Kia Optima, you’ll notice rates can change a lot depending on the type of coverage you pick.
Liability-only policies offer the basic insurance your state requires. It covers damage or injuries you cause to someone else, but not to you or your Optima.
Full coverage includes protection for damage to your Kia and your injuries. Collision coverage pays for damage from hitting another car or object. Comprehensive coverage pays for damages from things like theft, fire, or vandalism.
Here’s a look at average monthly rates for the Kia Optima compared to all other vehicles, according to Compare.com research.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Kia Optima | $122 | $209 | $166 |
| All vehicles | $113 | $212 | $163 |
Liability-only insurance averages $122 per month for the Optima, which is more expensive than the overall average of $113 per month. Full coverage for the Optima averages $209 per month, slightly less than the average of $212 per month for all vehicles.
Next, let’s dive into how rates can change based on factors like your age, driving history, and where you live.
Insurance rates can vary by company, even for the same vehicle. Choosing the right insurer could save you hundreds of dollars per year. Shopping around and comparing quotes from different companies can help you find the right coverage at the best price.
The table below shows the cheapest car insurance companies for the Optima, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $86 |
| State Farm | $95 |
| Allstate | $122 |
| GEICO | $133 |
| AAA | $146 |
| American Family | $130 |
| Progressive | $161 |
| Nationwide | $157 |
| Travelers | $164 |
| Farmers | $186 |
| Liberty Mutual | $222 |
| Amica | $418 |
The cheapest company overall is USAA, with an average rate of $86 per month. That’s about 30% cheaper than the national average for the Optima.
Below, you’ll find more details about the three cheapest companies for the Optima.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers some of the lowest average rates for the Kia Optima. But policies are available only to military members and their immediate families.
Though USAA doesn’t have as many optional coverages as other insurers, it still offers basic liability and full-coverage policies. Safe drivers can also save with the SafePilot telematics program.
Cheap rates for Optima drivers
Above-average customer satisfaction ratings[1]
24/7 claims filing available
Limited customer service hours
Low bundling discount
Few optional coverage add-ons
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is another affordable option for the Optima, with the added touch of personalized service from local agents. Customer service varies by agency and location, but State Farm has a highly rated mobile app you can access 24/7. Though it doesn’t sell gap insurance, it does offer rideshare insurance for drivers who use their Optima to transport passengers or make deliveries.
Many local agents
Affordable Optima premiums
Many discounts available
Higher rates for high-risk drivers
Gap insurance not available
Accident forgiveness not available
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers many options to customize your Kia Optima insurance to your unique needs, including gap insurance, extended warranty coverage, accident forgiveness, and rideshare insurance. Safe drivers can save up to 30% with the Drivewise telematics program. Low-mileage drivers might qualify for lower rates with Milewise, Allstate’s pay-per-mile car insurance.
Compare quotes for your Optima starting at $86 per month.
Kia renamed the Optima the K5 in 2021, so all the Optima models on the road now are at least four years old. That’s part of the reason why Optima insurance is fairly affordable. The older a vehicle is, the lower its value — and the less an insurance company would have to pay to repair or replace it.
The 2020 Optima (the most recent model available) costs an average of $184 per month to insure, while a 2001 Optima averages $124 per month. The table below shows the average rates for different Optima model years, according to our data.
Optima Model Year | Average Monthly Premium |
|---|---|
| 2020 | $184 |
| 2019 | $181 |
| 2018 | $174 |
| 2017 | $171 |
| 2016 | $166 |
| 2015 | $162 |
| 2014 | $160 |
| 2013 | $152 |
| 2012 | $147 |
| 2011 | $144 |
| 2010 | $141 |
| 2009 | $136 |
| 2008 | $135 |
| 2007 | $132 |
| 2006 | $131 |
| 2005 | $127 |
| 2004 | $124 |
| 2003 | $123 |
| 2002 | $124 |
| 2001 | $124 |
Company | Average Monthly Premium |
|---|---|
| USAA | $95 |
| State Farm | $105 |
| Allstate | $135 |
| GEICO | $148 |
| AAA | $162 |
| American Family | $144 |
| Progressive | $179 |
| Nationwide | $174 |
| Travelers | $182 |
| Farmers | $206 |
| Liberty Mutual | $246 |
| Amica | $464 |
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $103 |
| Allstate | $133 |
| GEICO | $145 |
| AAA | $159 |
| American Family | $141 |
| Progressive | $175 |
| Nationwide | $171 |
| Travelers | $178 |
| Farmers | $202 |
| Liberty Mutual | $241 |
| Amica | $455 |
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| State Farm | $100 |
| Allstate | $128 |
| GEICO | $139 |
| AAA | $153 |
| American Family | $136 |
| Progressive | $169 |
| Nationwide | $164 |
| Travelers | $172 |
| Farmers | $195 |
| Liberty Mutual | $233 |
| Amica | $438 |
Company | Average Monthly Premium |
|---|---|
| USAA | $89 |
| State Farm | $98 |
| Allstate | $126 |
| GEICO | $137 |
| AAA | $150 |
| American Family | $134 |
| Progressive | $166 |
| Nationwide | $162 |
| Travelers | $169 |
| Farmers | $192 |
| Liberty Mutual | $229 |
| Amica | $430 |
Company | Average Monthly Premium |
|---|---|
| USAA | $86 |
| State Farm | $95 |
| Allstate | $122 |
| GEICO | $133 |
| AAA | $146 |
| American Family | $130 |
| Progressive | $161 |
| Nationwide | $157 |
| Travelers | $164 |
| Farmers | $186 |
| Liberty Mutual | $222 |
| Amica | $417 |
Company | Average Monthly Premium |
|---|---|
| USAA | $84 |
| State Farm | $93 |
| Allstate | $119 |
| GEICO | $130 |
| AAA | $143 |
| American Family | $127 |
| Progressive | $157 |
| Nationwide | $153 |
| Travelers | $160 |
| Farmers | $182 |
| Liberty Mutual | $217 |
| Amica | $408 |
Where you live matters when it comes to your Optima car insurance bill. Each state has its own mix of factors that affect rates, like climate risks, accident frequency, medical costs, and local regulations. A driver in one state might pay double what someone in another state pays for the same coverage.[4]
The following map shows the average rates for the Optima across states, based on Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $137 |
| Arizona | $146 |
| Arkansas | $158 |
| California | $178 |
| Colorado | $178 |
| Connecticut | $247 |
| Delaware | $207 |
| Florida | $193 |
| Georgia | $221 |
| Hawaii | $110 |
| Idaho | $91 |
| Illinois | $138 |
| Indiana | $113 |
| Iowa | $93 |
| Kansas | $129 |
| Kentucky | $172 |
| Louisiana | $186 |
| Maine | $121 |
| Maryland | $263 |
| Massachusetts | $131 |
| Michigan | $200 |
| Minnesota | $151 |
| Mississippi | $131 |
| Missouri | $158 |
| Montana | $130 |
| Nebraska | $125 |
| Nevada | $220 |
| New Hampshire | $76 |
| New Jersey | $234 |
| New Mexico | $126 |
| New York | $191 |
| North Carolina | $77 |
| North Dakota | $101 |
| Ohio | $107 |
| Oklahoma | $149 |
| Oregon | $132 |
| Pennsylvania | $140 |
| Rhode Island | $191 |
| South Carolina | $212 |
| South Dakota | $120 |
| Tennessee | $124 |
| Texas | $190 |
| Utah | $130 |
| Vermont | $124 |
| Virginia | $155 |
| Washington | $147 |
| Washington D.C. | $273 |
| West Virginia | $128 |
| Wisconsin | $105 |
| Wyoming | $98 |
When it comes to car insurance, more experience can save you money. Generally, older drivers have fewer accidents and lower car insurance rates. Teenagers have a higher risk of getting into a crash, so insurers charge them much more for coverage.
Here’s a look at how Kia Optima insurance costs vary by age group, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $319 |
| Adults | $166 |
| Seniors | $143 |
The Optima is a relatively affordable vehicle. But young drivers will still pay more for insurance than more experienced drivers. Because drivers younger than 20 are so much more likely to get into accidents, speed, and text while driving, they’re at a much higher risk of filing a claim.[5]
The chart below shows rates across insurers for younger Optima drivers, according to Compare.com research.
Driving experience and a clean record translate to savings for older drivers. Because people older than 55 are more likely to follow the rules of the road and drive fewer miles, they have less risk of getting into an accident.[6] Insurers account for this reduced risk by charging older drivers lower rates.
Here’s a look at rates from some top insurers for senior Optima drivers, according to our data.
Insurance companies use your driving record to help predict how likely you are to file a claim in the future. A clean record usually gets you the lowest rates, while violations like accidents or speeding tickets typically lead to higher premiums.
Multiple driving violations can make it difficult to buy insurance at all, let alone find a competitive price. That said, some companies specialize in covering drivers who struggle to find coverage elsewhere.
The table below shows how Optima insurance costs increase for different infractions, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $166 |
| Speeding ticket | $222 |
| At-fault accident | $237 |
| DUI | $279 |
You may not worry too much about speeding in your Optima, but unsafe speeds are a big problem in the U.S. Speeding increases the frequency and severity of accidents, according to the U.S. Department of Transportation.[7]
Insurance companies know speeding increases your chances of being in a crash. If you have a recent speeding ticket, you’ll typically pay more for coverage than drivers with a clean record.
Below, you’ll find average rates for Optima drivers with a recent speeding ticket, according to Compare.com data.
If you cause an accident, filing a claim for more than a certain amount will usually increase your premiums. The exact amount of the increase and how long it will stay on your bill varies by insurer.[8]
Check out the chart below to learn how rates vary for Optima drivers with a recent accident, according to our data.
Driving intoxicated is illegal in every state.[9] Because drunk driving dramatically increases your chances of getting into an accident, insurers charge drivers with DUIs the highest rates. Some may refuse to cover you at all with a DUI on your record.
If you get a DUI, you’ll likely have to file an SR-22 or FR-44 certificate to get your license back. These forms prove to your state that you have the required insurance coverage, and they’re another flag to insurers that you’re a risk driver.
The chart below shows the average rates from top insurers for Optima drivers with a DUI conviction, according to Compare.com data.
The Kia Optima is one of the most stolen vehicles, according to the National Insurance Crime Bureau.[10] A high theft risk means insurers expect more claims and may charge higher premiums.
A 2020 Kia Optima is worth anywhere from $12,142 to $19,206, so rates are relatively affordable.[11] But the higher-end EX Premium and SX trims usually cost more to insure.
The 2020 Optima came standard with features like collision warnings, lane assist, and driver attention warnings, which reduce your crash risk and can lower your rates.
Since the Optima is no longer in production, parts may be harder to find and more expensive, which can raise insurance costs.
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Install anti-theft devices. Since the Optima is a top target for car thieves, adding an alarm or tracking system can qualify you for an anti-theft discount.
Choose a higher deductible. Opting for a higher deductible can lower your monthly premiums. But make sure you can cover any extra costs if you file a claim, as you’ll pay more out of pocket.
Bundle your policies. Combine your Optima car insurance with renters or homeowners coverage for multi-policy savings.
Check for discounts. Most insurance companies offer a variety of discounts to help lower rates. You can stack most discounts to maximize savings.
Compare quotes regularly. Rates vary by company and change often, so shop around each year to find the best deal.
Get quotes from 100+ top insurers and save money in seconds.
If you still have questions about Kia Optima insurance, we’re here to help. Let’s look at some of the most common questions from Optimo drivers about auto coverage.
Not really. Car insurance for the Kia Optima costs an average of $166 per month, according to Compare.com data. That’s comparable to the national average for all vehicles of $163 per month.
USAA has the lowest average rates for the Kia Optima, at $86 per month, according to Compare.com data. But the insurer only covers military members and their families.
If you’re not eligible for USAA coverage, State Farm and Allstate also offer affordable rates, at an average of $95 and $122 per month, respectively.
The average Optima driver pays $122 per month for a liability-only policy or $209 per month for full coverage, according to Compare.com data.
The Kia Soul is the cheapest Kia model to insure, with an average rate of $131 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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