Kia Optima insurance facts

  • Average auto insurance rate: $142/month
  • Most affordable insurance company: Allied ($74/month)
  • Optima insurance rate vs. average vehicle insurance rate: $13 more expensive than the average vehicle

Explore the numbers below to Kia Optima car insurance costs from top car insurers. Then let The Zebra help you collect personalized quotes in minutes.

 

How much does it cost to insure my Kia Optima?

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Optima Car Insurance

2020 Kia Optima

Cheapest Insurance Companies
Average Annual Cost
Allied

$892

Vermont Mutual

$1,209

Nationwide

$1,311

Tennessee Farmers

$1,389

USAA

$1,389

American Family

$1,424

GEICO

$1,451

State Farm

$1,495

Country

$1,541

Erie

$1,559

Mercury

$1,587

Southern Farm Bureau

$1,609

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Average Cost to Insure Per Year
$1,707
Trims Available

EX, LX, S, Special Edition, EX Premium, SX Turbo

2019 Kia Optima

Cheapest Insurance Companies
Average Annual Cost
Cincinnati Insurance

$1,173

USAA

$1,304

Auto Owners

$1,309

Erie

$1,401

Nationwide

$1,426

Country

$1,453

American Family

$1,458

GEICO

$1,516

Mercury

$1,557

State Farm

$1,573

Acuity

$1,589

Southern Farm Bureau

$1,594

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Average Cost to Insure Per Year
$1,814
List Price
$22,900
Trims Available

LX, S, EX, SX Turbo

2018 Kia Optima

Cheapest Insurance Companies
Average Annual Cost

USAA

$1,000

Erie

$1,075

Tennessee Farmers

$1,112

GEICO

$1,115

Progressive

$1,202

Vermont Mutual

$1,272

State Farm

$1,303

Plymouth Rock Insurance

$1,309

Acuity

$1,311

Allied

$1,316

Nationwide

$1,327

Country

$1,399

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Average Cost to Insure Per Year
$1,451
List Price
$22,600
Trims Available

LX, S, LX Turbo, EX, SX Turbo

2017 Kia Optima

Cheapest Insurance Companies
Average Annual Cost
Texas Farm Bureau

$897

USAA

$1,027

Erie

$1,108

Vermont Mutual

$1,270

Plymouth Rock Insurance

$1,279

Tennessee Farmers

$1,317

Acuity

$1,336

Allied

$1,365

Progressive

$1,367

Mercury

$1,407

GEICO

$1,407

Country

$1,430

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Average Cost to Insure Per Year
$1,361
List Price
$22,200
Trims Available

LX, LX Turbo, EX, SX Turbo, SXL Turbo

2016 Kia Optima

Cheapest Insurance Companies
Average Annual Cost

Texas Farm Bureau

$878

Allied

$895

Vermont Mutual

$961

GEICO

$1,252

Nationwide

$1,257

USAA

$1,265

Arbella

$1,290

Erie

$1,296

American Family

$1,298

Country

$1,298

State Farm

$1,355

Southern Farm Bureau

$1,388

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Average Cost to Insure Per Year
$1,166
List Price
$22,140
Trims Available

LX, LX Turbo, EX, SX Turbo, SXL Turbo

2015 Kia Optima

Cheapest Insurance Companies
Average Annual Cost

Texas Farm Bureau

$860

GEICO

$871

USAA

$877

Erie

$956

Vermont Mutual

$1,051

Tennessee Farmers

$1,070

Progressive

$1,093

State Farm

$1,113

Acuity

$1,177

Country

$1,238

Plymouth Rock Insurance

$1,245

Arbella

$1,298

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Average Cost to Insure Per Year
$1,168
List Price
$21,840
Trims Available

LX, EX, SX, SX Turbo, SXL Turbo

2014 Kia Optima

Cheapest Insurance Companies
Average Annual Cost

Texas Farm Bureau

$818

GEICO

$857

USAA

$887

Erie

$939

Vermont Mutual

$977

Tennessee Farmers

$1,026

Acuity

$1,095

Progressive

$1,133

State Farm

$1,175

Country

$1,191

Plymouth Rock Insurance

$1,214

Arbella

$1,227

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Average Cost to Insure Per Year
$1,153
List Price
$21,500
Trims Available

LX, EX, SX, SX Turbo, SXL Turbo

2013 Kia Optima

Cheapest Insurance Companies
Average Annual Cost

GEICO

$802

Texas Farm Bureau

$805

USAA

$833

Erie

$931

Vermont Mutual

$937

Tennessee Farmers

$1,007

State Farm

$1,038

Progressive

$1,083

Acuity

$1,087

Arbella

$1,138

American Family

$1,167

Plymouth Rock Insurance

$1,180

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Average Cost to Insure Per Year
$1,098
List Price
$21,350
Trims Available

LX, EX, SX, SXL

2012 Kia Optima

Cheapest Insurance Companies
Average Annual Cost

GEICO

$675

Texas Farm Bureau

$778

USAA

$806

Erie

$846

Vermont Mutual

$857

State Farm

$931

Tennessee Farmers

$958

Progressive

$974

Acuity

$1,018

American Family

$1,114

Arbella

$1,122

Plymouth Rock Insurance

$1,141

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Average Cost to Insure Per Year
$1,017
List Price
$19,500
Trims Available

LX, EX, EX Turbo, SX Turbo

2011 Kia Optima

Cheapest Insurance Companies
Average Annual Cost

Erie

$547

Vermont Mutual

$763

Texas Farm Bureau

$840

USAA

$842

Tennessee Farmers

$915

Arbella

$939

GEICO

$995

Country

$1,054

Allied

$1,061

American Family

$1,090

Plymouth Rock Insurance

$1,094

Acuity

$1,107

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Average Cost to Insure Per Year
$1,083
List Price
$18,995
Trims Available

LX, EX, EX Turbo, SX Turbo

Other Kia models