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
$892
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
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