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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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.
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2020 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
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
Arbella
$1,644
Compare all 2020 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,715Trims Available
EX, LX, S, Special Edition, EX Premium, SX Turbo
2019 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
$1,173
$1,304
Auto Owners
$1,309
$1,401
$1,426
Country
$1,453
$1,458
$1,516
$1,557
$1,573
Acuity
$1,589
Southern Farm Bureau
$1,594
Compare all 2019 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,814List Price
$22,900Trims Available
LX, S, EX, SX Turbo
2018 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
$1,000
$1,075
Tennessee Farmers
$1,112
$1,115
$1,202
Vermont Mutual
$1,272
$1,303
Plymouth Rock Insurance
$1,309
Acuity
$1,311
$1,327
Country
$1,399
$1,402
Compare all 2018 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,451List Price
$22,600Trims Available
LX, S, LX Turbo, EX, SX Turbo
2017 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
$897
$1,027
$1,108
Vermont Mutual
$1,270
Plymouth Rock Insurance
$1,279
Tennessee Farmers
$1,317
Acuity
$1,336
$1,367
$1,407
$1,407
Country
$1,430
$1,431
Compare all 2017 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,361List Price
$22,200Trims Available
LX, LX Turbo, EX, SX Turbo, SXL Turbo
2016 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
$878
Vermont Mutual
$961
$1,252
$1,257
$1,265
Arbella
$1,290
$1,296
$1,298
Country
$1,298
$1,355
Southern Farm Bureau
$1,388
Tennessee Farmers
$1,406
Compare all 2016 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,167List Price
$22,140Trims Available
LX, LX Turbo, EX, SX Turbo, SXL Turbo
2015 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
$860
$871
$877
$956
Vermont Mutual
$1,051
Tennessee Farmers
$1,070
$1,093
$1,113
Acuity
$1,177
Country
$1,238
Plymouth Rock Insurance
$1,245
Arbella
$1,298
Compare all 2015 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,168List Price
$21,840Trims Available
LX, EX, SX, SX Turbo, SXL Turbo
2014 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
$818
$857
$887
$939
Vermont Mutual
$977
Tennessee Farmers
$1,026
Acuity
$1,095
$1,133
$1,175
Country
$1,191
Plymouth Rock Insurance
$1,214
Arbella
$1,227
Compare all 2014 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,153List Price
$21,500Trims Available
LX, EX, SX, SX Turbo, SXL Turbo
2013 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
$802
$805
$833
$931
Vermont Mutual
$937
Tennessee Farmers
$1,007
$1,038
$1,083
Acuity
$1,087
Arbella
$1,138
$1,167
Plymouth Rock Insurance
$1,180
Compare all 2013 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,098List Price
$21,350Trims Available
LX, EX, SX, SXL
2012 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
$675
$778
$806
$846
Vermont Mutual
$857
$931
Tennessee Farmers
$958
$974
Acuity
$1,018
$1,114
Arbella
$1,122
Plymouth Rock Insurance
$1,141
Compare all 2012 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,017List Price
$19,500Trims Available
LX, EX, EX Turbo, SX Turbo
2011 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
$547
Vermont Mutual
$763
$840
$842
Tennessee Farmers
$915
Arbella
$939
$995
Country
$1,054
$1,090
Plymouth Rock Insurance
$1,094
Acuity
$1,107
Southern Farm Bureau
$1,139
Compare all 2011 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,083List Price
$18,995Trims Available
LX, EX, EX Turbo, SX Turbo