Kia Optima Car Insurance: How Much Should You Expect to Pay?

Kia Optima owners can expect to pay about $178 a month for their insurance, if you look at average rates across the U.S. Know how much auto insurance carriers might charge to insure your Kia Optima with our latest guide.

Quick Facts

  • A Kia Optima is more expensive to insure compared to the average car.

  • Full coverage for an Optima generally comes in at around $185 per month, while liability only insurance rates come in at about $95.

  • Connect is the lowest auto insurance carrier for an Optima.

Optima Overview

The Kia Optima is a great budget-friendly car for drivers of all types, with base prices starting at just $23,390 for 2020 models. There are five different trim levels currently offered, so every driver can find an option to match their style.

After analyzing thousands of car insurance quotes through Compare.com, we've found that Kia Optima auto insurance prices run around $178 monthly, on average. But how does that stack up to other similar cars out there on the market?

Current Base Price$23,390
Body Style(s)Car
Trim LevelsHYBRID EX, SX, LX/S/SE, PLUG IN HYBRID EX, EX
Average Insurance Premium$178/mo.
Cheapest Insurance CompanyConnect

How Much is Car Insurance for a Kia Optima?

Vehicle Liability Only Full Coverage
Kia Optima$95$185
All Kia Models$85$170
All Cars$83$177
Average Insurance Premium$81$169

You'll see in the table above that insurance premiums for a Kia Optima are about average compared to other vehicles on the road. Optima drivers can expect to pay around $185 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $95 monthly for liability only insurance (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When you compare it to other models, the Optima is slightly more expensive, with rates about 9% higher than Kia's other vehicle offerings. Compared to offerings from other brands, car insurance for an Optima is similarly on the expensive side, with full coverage insurance premiums coming in around 5% more and 14% more for liability only insurance.

When compared to all vehicles, regardless of body style, model, or make, the Optima has more expensive prices than average for both liability only and full coverage auto insurance.

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Who has the Cheapest Car Insurance for a Kia Optima?

Insurance Company Average Monthly Premium
Hugo$41
Aspire$45
Workmens$57
Clearcover$57
MetroMile$57

Looking for a car insurance policy for your Kia Optima? You're probably wondering which company offers the lowest rates. Although rates can shift significantly from person to person, the most affordable average rates for liability only insurance are sometimes as little as $41 a month from Hugo. With car insurance sometimes as cheap as $45 monthly, Aspire is the next cheapest insurance carrier.

Finishing off the rest of the top 5 are Workmens, Clearcover, and MetroMile. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Car insurance companies take multiple factors into consideration when calculating monthly premiums. By analyzing quotes from quite a few car insurance carriers at once, you can rest easy knowing that you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Kia Optima?

There are a lot of variables that auto insurance companies look at to decide how much to charge for a policy -- and every company weighs different attributes more heavily than others, so there's not one carrier that's the cheapest for everyone.

The following sections show a whole bunch of things car insurance carriers use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$93
2-3 Years$90
4-5 Years$99
6-7 Years$99
8-10 Years$98
11-14 Years$90
15 Years or Older$85

Kia has been making the Optima for quite some time -- and that means the car's age may make a difference in how much you'll pay for insurance. Typically, it costs more to insure newer cars because they're worth more, however, as time goes on and Optimas begin to depreciate, insurance costs will gradually decrease.

As you can see in the table above, the Kia Optima is inline with this trend, as the cheapest models to insure are those that are 15 years old or more, while the most expensive models are Optimas that are 4 to 5 and 6 to 7 years old, on average.

Your Age

Age Average Monthly Premium
Under 18$195
18-24$132
25-34$92
35-44$83
45-54$70
55-64$64
65 or Older$77

How old you are makes a big difference in how much you pay for auto insurance. Based on the information above, those who have more experience on the road have cheaper prices compared to younger Optima drivers. Kia Optima drivers under 18 actually pay more than twice as much as those 25 or older.

Insurance prices continue to get lower as you get older, with drivers aged 55-64 making up the cheapest age group for the Optima.

Your Gender

Gender Average Monthly Premium
Male$100
Female$91

Because women are less likely to get into accidents and get speeding tickets, they have a decreased chance of filing a claim with insurance. The Kia Optima is no different, and men pay about $9 more than women a month for insurance.

Where You Live

State Average Monthly Premium
California$60
Florida$142
Georgia$126
Illinois$55
New York$211
North Carolina$57
Ohio$59
Pennsylvania$76
Texas$74
Virginia$81

You may already know that factors like what vehicle you drive and how old you are play a role in your car insurance premiums, but you may not realize that where you live matters, too. Because insurance is regulated on the state level rather than nationally, prices fluctuate quite a bit from state to state.

For example, the average Kia Optima owner from New York pays around $211 per month for liability coverage. Meanwhile, the same driver from California will pay less than 50% of that price, on average. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change from state to state.

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Kia Optima Car Insurance Discounts

Regardless of what car you drive, how old you are, or what state you call home, it's always the smart move to take advantage of as many car insurance discounts as possible when shopping around for a policy.

Even though all auto insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

  • Defensive driving discounts for taking a defensive driving class through a certified school or institution
  • Multi-car discounts for insuring more than one of your vehicles with the same company
  • Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
  • Multi-policy discounts for bundling your home and auto policies with the same carrier

While taking advantage of discounts is always a smart way to save money on your car insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

You obviously can't control every single aspect of your auto insurance profile (like some of the variables we mentioned above), but you can influence some of it. Below are just a few of the variables you can use to your advantage when it comes to saving money:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$117
Multiple Accidents$151
1 Ticket$98
Multiple Tickets$147

You've probably noticed ads from insurance carriers posting large savings for safe drivers. It follows that if you get tickets or get into an accident, car insurance premiums will get higher. But exactly how much can these infractions cost you?

Based on the table above, accidents will usually cost Optima drivers more than tickets, but both will result in higher than normal rates. Kia Optima drivers with one ticket will pay about $98 a month, while drivers with a single accident on their record pay an average of $117 each month (up $22 from the $95/mo. overall average). The rates only increase the more collisions you have or tickets you get.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$80
2,501-5,000 Miles$90
5,001-7,500 Miles$85
7,501-10,000 Miles$102
10,000+ Miles$91

The total amount of miles you drive annually plays a role in your insurance rates. Those who are on the roads less often are less likely to get into collisions, so they'll normally get more affordable prices. Based on the table above, you can see that Kia Optima owners who drive 10,000 miles or more pay $91 for auto insurance, while those who drive fewer than 2,500 miles a year pay an average of $80 monthly.

If you happen to be one of those drivers who put very few miles on your Kia Optima each year, you might consider a usage-based or pay-per-mile car insurance policy. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Kia Optimas Compare to Other Vehicles?

If you're considering buying a new car and a Kia Optima is on your shortlist, it can pay off to do your due diligence. Auto insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth considering.

Take a look at the table below to see how the Kia Optima compares:

Kia Optima National Average
Liability Insurance$95$81
Full Coverage Insurance$204$169
Base MSRP$27,190$46,538
Average Annual Mileage13,52011,660

With an MSRP that's a third less than the going rate for a new vehicle, the Kia Optima is a fantastic value for any budget. The Optima comes in at $27,190, which is quite a bit lower than the national average vehicle price of $46,538.

Although the purchase price is on the cheaper end of the spectrum, insurance premiums are higher when compared to other vehicles on the market. Full coverage insurance for a Kia Optima is about $35 per month more than average, while liability only coverage is $14 higher per month.

When it comes to usage, Kia Optima drivers are far from the national average in annual miles driven, with 13,520 miles per year compared to 11,660 for all vehicles.

Kia Optima Car Insurance Costs by Model Year

So far, you've seen how different things affect how much you might pay for auto insurance. But if you're considering purchasing a new Optima, having a good idea of how much you'll likely pay can be extremely valuable as you weigh your options.

For this reason, we've crunched the numbers and broken down Kia Optima car insurance prices by model year. Simply choose a specific Optima model year in the dropdown below and see average rates for both full coverage and liability only insurance, as well as some other helpful info, such as base price, available trims, and even the cheapest insurance company for each year the Optima has been around.

2020 Kia Optima Car Insurance

   
Liability Only Avg. Premium$95
Full Coverage Avg. Premium$204
Base MSRP$23,390
Cheapest Insurance CompanyDirectGeneral - $24/mo.
Available TrimsEX, HYBRID EX, LX/S/SE, PLUG IN HYBRID EX, SX

2020 Optima drivers can expect to pay an average of $95 a month for liability or $204 for full coverage.

With rates as cheap as $24 monthly, DirectGeneral offered the most affordable policy we found for the 2020 Kia Optima.

While these are good estimates of what the average driver might pay to insure a 2020 Kia Optima, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2019 Kia Optima Car Insurance

   
Liability Only Avg. Premium$101
Full Coverage Avg. Premium$205
Base MSRP$22,990
Cheapest Insurance CompanyHugo - $16/mo.
Available TrimsEX, HYBRID/EX, LX, LX/S, PLUG-IN HYBRID/EX, SX, SXL

The average cost to insure a 2019 Kia Optima with liability only coverage is $101 per month, while full coverage runs around $205 a month.

Hugo has prices as little as $16 per month for the 2019 Kia Optima.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get multiple customized quotes for free.

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2018 Kia Optima Car Insurance

   
Liability Only Avg. Premium$99
Full Coverage Avg. Premium$209
Base MSRP$22,600
Cheapest Insurance CompanyHugo - $18/mo.
Available TrimsEX, HYBRID, HYBRID/EX, LX, LX/S, PLUG-IN HYBRID/EX, SX, SXL

It costs about $99 monthly for liability or $209 for a full coverage policy for the 2018 Optima.

We found Hugo offered the lowest policy, with rates as cheap as just $18 a month.

If you want to find the best rates for auto insurance for a 2018 Kia Optima, enter your ZIP code below and compare a multitude of personalized quotes in just a few minutes.

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2017 Kia Optima Car Insurance

   
Liability Only Avg. Premium$100
Full Coverage Avg. Premium$205
Base MSRP$22,200
Cheapest Insurance CompanyHugo - $20/mo.
Available TrimsEX, HYBRID, HYBRID/EX, LX, PLUG-IN HYBRID/EX, SX, SXL

You can expect full coverage for a 2017 Kia Optima to run around $205 monthly, while liability only coverage will average about $100 per month.

Hugo offered the most affordable policy we found, with rates as low as just $20 monthly.

If you want to know exactly how much you can expect to pay for your Optima, get free quotes in minutes by just entering your ZIP code below.

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2016 Kia Optima Car Insurance

   
Liability Only Avg. Premium$101
Full Coverage Avg. Premium$195
Base MSRP$22,140
Cheapest Insurance CompanyMile Auto - $21/mo.
Available TrimsEX, HYBRID, LX, SX, SXL

On average, drivers who own a 2016 Optima can expect to pay $101 to $195 per month for liability only and full coverage insurance, respectively.

With premiums sometimes as low as $21 a month, Mile Auto offered the cheapest policy we found.

If you want to know exactly how much you can expect to pay for your Optima, just enter your ZIP code below and get free quotes in minutes.

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2015 Kia Optima Car Insurance

   
Liability Only Avg. Premium$97
Full Coverage Avg. Premium$183
Base MSRP$21,650
Cheapest Insurance CompanyAspire - $18/mo.
Available TrimsEX, HYBRID, LX, OPTIMA, SX

It costs around $97 per month for liability or $183 for a full coverage policy for the 2015 Kia Optima.

If you're looking for the lowest possible 2015 Kia Optima insurance policy, Aspire offered the most affordable policy we found, with rates as low as $18 a month.

Want to know just how much you'll pay? Enter your ZIP code below to get lots of personalized quotes for free.

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2014 Kia Optima Car Insurance

   
Liability Only Avg. Premium$103
Full Coverage Avg. Premium$188
Base MSRP$21,500
Cheapest Insurance CompanySun Coast - $23/mo.
Available TrimsEX, HYBRID, LX, SX

2014 Optima drivers can expect to pay an average of $103 monthly for liability or $188 for full coverage.

Looking for the cheapest policy? Sun Coast offered liability only coverage for as little as just $23 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2013 Kia Optima Car Insurance

   
Liability Only Avg. Premium$97
Full Coverage Avg. Premium$177
Base MSRP$21,350
Cheapest Insurance CompanyOhio Mutual - $19/mo.
Available TrimsEX, HYBRID, LX, SX

You can expect full coverage for a 2013 Kia Optima to run about $177 monthly, while liability only coverage will average around $97 a month.

Ohio Mutual offered the lowest policy we found, with rates as low as just $19 per month.

Want to know exactly what your auto insurance premium will be? Just enter your ZIP code below to get several free personalized quotes.

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2012 Kia Optima Car Insurance

   
Liability Only Avg. Premium$104
Full Coverage Avg. Premium$180
Base MSRP$19,500
Cheapest Insurance CompanyAnswerFinancial - $22/mo.
Available TrimsEX, HYBRID, LX, SX

On average, drivers who own a 2012 Optima can expect to pay $104 to $180 monthly for liability only and full coverage car insurance, respectively.

We found AnswerFinancial offered the cheapest policy, with rates as cheap as just $22 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2011 Kia Optima Car Insurance

   
Liability Only Avg. Premium$97
Full Coverage Avg. Premium$169
Base MSRP$19,200
Cheapest Insurance CompanyAnswerFinancial - $22/mo.
Available TrimsEX/SX, HYBRID, LX, SX

The average cost to insure a 2011 Kia Optima with liability only coverage is $97 per month, while full coverage runs about $169 a month.

AnswerFinancial has rates sometimes as cheap as $22 monthly for the 2011 Kia Optima.

Want something more accurate than national averages? Enter your ZIP code below to get a variety of customized quotes for free.

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2010 Kia Optima Car Insurance

   
Liability Only Avg. Premium$86
Full Coverage Avg. Premium$163
Base MSRP$17,995
Cheapest Insurance CompanyStateAuto - $17/mo.
Available TrimsEX/SX, LX

It costs around $86 a month for liability or $163 for a full coverage policy for the 2010 Optima.

With prices sometimes as little as $17 per month, StateAuto offered the lowest policy we found for the 2010 Kia Optima.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2009 Kia Optima Car Insurance

   
Liability Only Avg. Premium$92
Full Coverage Avg. Premium$162
Base MSRP$17,495
Cheapest Insurance CompanyClearcover - $17/mo.
Available TrimsLX/EX

You can expect full coverage for a 2009 Kia Optima to run about $162 monthly, while liability only coverage will average around $92 per month.

With rates as cheap as $17 monthly, Clearcover offered the most affordable policy we found.

While these are good estimates of what the average driver might pay to insure a 2009 Kia Optima, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2008 Kia Optima Car Insurance

   
Liability Only Avg. Premium$88
Full Coverage Avg. Premium$170
Base MSRP$16,755
Cheapest Insurance CompanyLiberty Mutual - $16/mo.
Available TrimsLX/EX

On average, drivers who own a 2008 Optima can expect to pay $88 to $170 a month for liability only and full coverage insurance, respectively.

Looking for the cheapest policy? Liberty Mutual offered liability only coverage for as little as $16 monthly.

Want to find the most affordable rates? Get multiple personalized quotes for free by just entering your ZIP code below.

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Kia Optima Insurance FAQs

Is a Kia Optima expensive to insure?

Liability insurance runs an average of $95 a month, while full coverage will cost you around $185. The Kia Optima is more expensive to insure compared to the average car.

How can I get the best price on car insurance for my Kia Optima?

There's only one way to make sure you're getting the lowest rates -- checking prices regularly and comparing quotes from many companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from numerous carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Kia Optima affect my insurance premiums?

Have you heard the old adage that red cars cost more to insure before? Well, that's actually a myth. While there are many factors car insurance companies consider when they calculate how much your policy will be, the color of your vehicle is not factored into that decision.

Do I need to have insurance before I buy a Kia Optima?

You'll need to have valid insurance for your Kia Optima before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships might offer you an auto insurance policy, but the best thing to do when buying a an car is to let your auto insurance carrier know before you buy.

What car insurance discounts can I get for my Kia Optima?

There are a multitude of different discounts out there when it comes to insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your car and more on you, but if your Optima has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. To learn more about which discounts you may qualify for, contact your insurance company and ask about their discounts, since they differ quite a bit from carrier to carrier.

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