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
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
$1,303
Plymouth Rock Insurance
$1,309
Acuity
$1,311
$1,316
$1,327
$1,399
Compare all 2018 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,445List Price
$22,600Trims 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
GEICO
$1,407
$1,407
Country
$1,430
Compare all 2017 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,350List Price
$22,200Trims Available
LX, LX Turbo, EX, SX Turbo, SXL Turbo
2016 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
Texas Farm Bureau
$878
USAA
$1,011
Erie
$1,029
Tennessee Farmers
$1,066
Vermont Mutual
$1,095
GEICO
$1,129
Acuity
$1,200
Plymouth Rock Insurance
$1,246
Country
$1,268
Progressive
$1,275
Arbella
$1,295
Allied
$1,369
Compare all 2016 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,269List Price
$22,140Trims 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
Compare all 2015 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,160List Price
$21,840Trims 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
Compare all 2014 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,147List Price
$21,500Trims 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
$1,167
Plymouth Rock Insurance
$1,180
Compare all 2013 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,091List Price
$21,350Trims 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
Compare all 2012 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,010List Price
$19,500Trims 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
Compare all 2011 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,072List Price
$18,995Trims Available
LX, EX, EX Turbo, SX Turbo