Kia Optima Insurance Cost

  • Kia Optima insurance costs range from $12 to $96 per month
  • Allied offers the cheapest coverage
  • See more average rates from GEICO, Allstate, USAA and other companies below

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Optima Car Insurance

Kia Optima Insurance cost

  • Average auto insurance rate: $142 per month
  • Most affordable insurance company: Allied ($74 per month)
  • 41% of drivers insure their Optima with state liability plus full coverage

The estimates below and above are based on our sample driver profile — a 30-year-old single male driving a Kia Optima with full coverage. Depending on your coverage level, driving history and state, your individual costs will vary.

Optima Car Insurance

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2020 Kia Optima

Cheapest Insurance Companies
Average Annual Cost

$892

Vermont Mutual

$1,209

$1,311

Tennessee Farmers

$1,389

$1,389

$1,424

$1,451

$1,495

Country

$1,541

$1,559

$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

$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

$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

$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