Kia Optima Insurance Cost
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Kia Optima insurance quick hits
- 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.
How much does it cost to insure my Kia Optima?
Select the year of your car
2020 Kia Optima
Cheapest Insurance Companies
Average Annual Cost
$892
$1,209
$1,311
Tennessee Farmers
$1,389
$1,389
$1,424
GEICO
$1,451
$1,495
$1,541
$1,559
$1,587
$1,609
Compare all 2020 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,707Trims 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
$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
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
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
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
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
Texas Farm Bureau
$878
Allied
$895
Vermont Mutual
$961
GEICO
$1,252
Nationwide
$1,257
USAA
$1,265
$1,290
Erie
$1,296
American Family
$1,298
Country
$1,298
State Farm
$1,355
Southern Farm Bureau
$1,388
Compare all 2016 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,166List 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
$1,168List 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
$1,153List 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
American Family
$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
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
$1,017List 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
$1,083List Price
$18,995Trims Available
LX, EX, EX Turbo, SX Turbo