Kia Optima Insurance: by Model Year & Company
Kia Optima insurance costs an average of $955 for a 6-month full coverage policy. USAA offers the cheapest rate for the latest Kia Optima at $132/mo or $789 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a Kia Optima:
- The Optima costs less to insure than most sedans. Averaging $159/mo for the Optima versus $203/mo for typical sedans.
- If you're considering a vehicle similar to the Optima, like the Kia Optima Hybrid ($173/mo), Kia Cadenza ($185/mo), or Kia Carnival ($193/mo), your insurance costs will be cheaper.
- USAA ($109/mo), American Family ($121/mo), Progressive ($135/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2020 Kia Optima
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,578 |
| American Family |
$1,782 |
| Progressive |
$1,835 |
| Erie |
$1,950 |
| State Farm |
$1,958 |
| GEICO |
$2,456 |
| Nationwide |
$2,577 |
| Farmers |
$2,674 |
| Allstate |
$3,358 |
Compare all 2020 Kia Optima insurance rates.
Average Cost to Insure Per Year
$2,3242019 Kia Optima
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,498 |
| American Family |
$1,653 |
| Progressive |
$1,739 |
| Erie |
$1,824 |
| State Farm |
$1,948 |
| GEICO |
$2,353 |
| Nationwide |
$2,447 |
| Farmers |
$2,583 |
| Allstate |
$3,184 |
Compare all 2019 Kia Optima insurance rates.
Average Cost to Insure Per Year
$2,2202018 Kia Optima
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,388 |
| American Family |
$1,549 |
| Progressive |
$1,726 |
| Erie |
$1,783 |
| State Farm |
$2,004 |
| GEICO |
$2,327 |
| Nationwide |
$2,391 |
| Farmers |
$2,591 |
| Allstate |
$2,970 |
Compare all 2018 Kia Optima insurance rates.
Average Cost to Insure Per Year
$2,1622017 Kia Optima
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,358 |
| American Family |
$1,532 |
| Progressive |
$1,706 |
| Erie |
$1,781 |
| State Farm |
$1,906 |
| Nationwide |
$2,175 |
| GEICO |
$2,231 |
| Farmers |
$2,444 |
| Allstate |
$2,700 |
Compare all 2017 Kia Optima insurance rates.
Average Cost to Insure Per Year
$2,0462016 Kia Optima
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,308 |
| American Family |
$1,462 |
| Progressive |
$1,644 |
| Erie |
$1,717 |
| State Farm |
$1,826 |
| GEICO |
$2,136 |
| Nationwide |
$2,202 |
| Farmers |
$2,381 |
| Allstate |
$2,494 |
Compare all 2016 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,9672015 Kia Optima
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,246 |
| American Family |
$1,497 |
| Progressive |
$1,578 |
| Erie |
$1,674 |
| State Farm |
$1,736 |
| GEICO |
$2,130 |
| Nationwide |
$2,207 |
| Farmers |
$2,350 |
| Allstate |
$2,414 |
Compare all 2015 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,9262014 Kia Optima
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,196 |
| American Family |
$1,303 |
| Progressive |
$1,567 |
| Erie |
$1,581 |
| State Farm |
$1,635 |
| GEICO |
$2,055 |
| Farmers |
$2,225 |
| Nationwide |
$2,303 |
| Allstate |
$2,420 |
Compare all 2014 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,8872013 Kia Optima
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,140 |
| American Family |
$1,284 |
| Progressive |
$1,486 |
| Erie |
$1,511 |
| State Farm |
$1,540 |
| GEICO |
$1,988 |
| Nationwide |
$2,019 |
| Farmers |
$2,131 |
| Allstate |
$2,387 |
Compare all 2013 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,7932012 Kia Optima
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,168 |
| American Family |
$1,254 |
| Progressive |
$1,477 |
| Erie |
$1,498 |
| State Farm |
$1,509 |
| GEICO |
$1,921 |
| Nationwide |
$2,051 |
| Farmers |
$2,077 |
| Allstate |
$2,379 |
Compare all 2012 Kia Optima insurance rates.
Average Cost to Insure Per Year
$1,7752011 Kia Optima
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,141 |
| American Family |
$1,207 |
| Erie |
$1,431 |
| Progressive |
$1,476 |
| State Farm |
$1,494 |
| GEICO |
$1,841 |
| Nationwide |
$1,853 |
| Farmers |
$1,990 |
| Allstate |
$2,367 |