Kia Optima Car Insurance

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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

State Farm

$586

USAA

$673

Erie

$795

GEICO

$816

Texas Farm Bureau

$897

$1,039

$1,040

$1,070

$1,112

Safeco

$1,217

ALFA

$1,223

Compare all 2017 Kia Optima insurance rates.

Average Cost to Insure Per Year

$864

List Price

$22,200

Trims 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

$846

List Price

$22,140

Trims 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

Allstate

$1,142

ALFA

$1,150

Compare all 2015 Kia Optima insurance rates.

Average Cost to Insure Per Year

$833

List Price

$21,840

Trims 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

$789

List Price

$21,500

Trims 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

$741

List Price

$21,350

Trims 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

$729

List Price

$19,500

Trims 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

$730

List Price

$18,995

Trims Available

LX, EX, EX Turbo, SX Turbo