Kia Optima Car Insurance
Compare all car insurance companies at once.
The Kia Optima is a cheap car to cover, with average annual rates $314 less than the US average. The Optima delivers bad insurance value, thanks to its more expensive-than-average insurance rate-to-purchase cost ratio.
Progressive provides the cheapest auto insurance rates for the Kia Optima, with an average yearly rate of $413 — 48% more affordable than the average of top insurance companies. The most expensive car insurance carrier for the Kia Optima is MetLife, offering an average premium of $2,843 per annum.
Explore the numbers below to find Kia Optima insurance prices from top car insurers.
How much does it cost to insure my Kia Optima?
Select the year of your car
2017 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
Progressive
$413
$586
USAA
$673
Erie
$795
GEICO
$816
Texas Farm Bureau
$897
$1,039
$1,040
$1,070
$1,112
Safeco
$1,217
$1,223
Compare all 2017 Kia Optima insurance rates.
Average Cost to Insure Per Year
$864List Price
$22,200Trims Available
LX, LX Turbo, EX, SX Turbo, SXL Turbo
2016 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
Progressive
$414
State Farm
$586
USAA
$672
GEICO
$726
Erie
$795
Texas Farm Bureau
$878
Vermont Mutual
$1,029
Nationwide
$1,040
Allied
$1,061
American Family
$1,086
Safeco
$1,156
ALFA
$1,191
Compare all 2016 Kia Optima insurance rates.
Average Cost to Insure Per Year
$846List Price
$22,140Trims Available
LX, LX Turbo, EX, SX Turbo, SXL Turbo
2015 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
Progressive
$428
State Farm
$578
USAA
$660
GEICO
$700
Erie
$806
Texas Farm Bureau
$860
Vermont Mutual
$959
Nationwide
$1,033
Allied
$1,080
American Family
$1,090
$1,142
ALFA
$1,150
Compare all 2015 Kia Optima insurance rates.
Average Cost to Insure Per Year
$833List Price
$21,840Trims Available
LX, EX, SX, SX Turbo, SXL Turbo
2014 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
Progressive
$397
State Farm
$540
USAA
$642
GEICO
$667
Erie
$740
Texas Farm Bureau
$818
Vermont Mutual
$882
Nationwide
$966
American Family
$1,030
Safeco
$1,080
ALFA
$1,091
Allied
$1,092
Compare all 2014 Kia Optima insurance rates.
Average Cost to Insure Per Year
$789List Price
$21,500Trims Available
LX, EX, SX, SX Turbo, SXL Turbo
2013 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
Progressive
$385
State Farm
$512
GEICO
$606
USAA
$630
Erie
$711
Safeco
$802
Texas Farm Bureau
$805
Vermont Mutual
$842
Nationwide
$928
American Family
$980
Allied
$1,019
Allstate
$1,053
Compare all 2013 Kia Optima insurance rates.
Average Cost to Insure Per Year
$741List Price
$21,350Trims Available
LX, EX, SX, SXL
2012 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
Progressive
$380
State Farm
$492
Safeco
$593
GEICO
$593
USAA
$629
Erie
$682
Texas Farm Bureau
$778
Vermont Mutual
$796
Nationwide
$889
American Family
$954
Allstate
$980
Allied
$998
Compare all 2012 Kia Optima insurance rates.
Average Cost to Insure Per Year
$729List Price
$19,500Trims Available
LX, EX, EX Turbo, SX Turbo
2011 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
Progressive
$412
Safeco
$522
State Farm
$530
GEICO
$613
USAA
$668
Erie
$739
Texas Farm Bureau
$840
Vermont Mutual
$856
American Family
$884
Nationwide
$958
Allstate
$1,012
Allied
$1,122
Compare all 2011 Kia Optima insurance rates.
Average Cost to Insure Per Year
$730List Price
$18,995Trims Available
LX, EX, EX Turbo, SX Turbo