Your Kia Optima's model year impacts insurance costs, with newer vehicles being more expensive to cover. Monthly premiums range from $59 for older models to $244 for 2020 Optimas.
Kia Optima Insurance Cost
Updated: January 19, 2026
Key Takeaways
GEICO offers the most affordable Kia Optima insurance on average, though full coverage costs vary widely by model year and insurer. Full coverage averages about $172 per month. Read more.
The Optima ranks 94th out of 199 sedans for insurance affordability, placing it in the middle tier among sedans. Its moderate repair costs help keep rates relatively reasonable for many drivers. Read more.
Your Optima's specific model year makes a big difference in insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Optima model years depending on the age of the drivers.
How Much Is Kia Optima Insurance?
Looking for another Kia model? Read more about the cost of Kia car insurance models.
Costs vary by model year and company. Full coverage for a Kia Optima spans $129 monthly with GEICO to $308 with AIG, while minimum coverage ranges from $59 with GEICO to $138 with UAIC.
These cost differences (over $124 for minimum coverage and $326 for full coverage) demonstrate why Optima owners need to shop around. Insurance companies calculate risk differently for each model, which affects your final quote.
| AAA | $152 | $316 |
| AIG | $200 | $505 |
| Allstate | $162 | $316 |
| Amica | $169 | $346 |
| Chubb | $195 | $388 |
| Farmers | $200 | $354 |
| Geico | $83 | $179 |
| Kemper | $137 | $274 |
| Nationwide | $184 | $318 |
| Progressive | $160 | $301 |
| State Farm | $130 | $270 |
| The Hartford | $137 | $233 |
| Travelers | $141 | $262 |
| UAIC | $207 | $260 |
Is Kia Optima Expensive to Insure?
MoneyGeek's analysis of 199 sedans shows the Kia Optima ranking 94th for insurance affordability, putting it in the middle range for its vehicle type. It's positioned just a few dollars per month more expensive than a Lincoln Continental and slightly cheaper than an Audi A3, meaning there are 93 more affordable sedan options available.
While that's middle-tier among sedans, the broader picture looks better for Optima owners. The sedan ranks 350th out of 827 total vehicles in our database, placing it in the top half for affordability across all car types. Sedans tend to be pricier to insure overall, with the Saturn S-Series claiming the cheapest spot and the Cadillac CTS-V topping the expense chart.
| Buick Regal Tour X | $129 | 91 |
| Buick Regal Sportback | $130 | 92 |
| Lincoln Continental | $130 | 93 |
| Kia Optima | $130 | 94 |
| Audi A3 | $131 | 95 |
| Kia Borrego | $131 | 96 |
| Chevrolet Cruze | $132 | 97 |
Several factors affect what you'll pay for Kia Optima insurance:
- Average Repair or Replacement Costs: The Optima ranks as Kia's seventh most affordable model to maintain out of 21, with repair costs averaging $657 annually. This relatively low maintenance expense helps keep insurance premiums more reasonable.
- Vehicle Trim, Features and Accessories: The Kia Optima's performance capabilities range from 147 to 245 horsepower depending on your trim level. Higher-performance trims cost more to insure since increased power often leads to higher premiums.
- Driver Profile: Most Kia Optima drivers fall between 30 to 50 years old with a median age around 40, which usually means lower rates due to responsible driving behavior. However, the Optima's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Kia Optimas for young drivers.
Kia Optima Insurance Cost by State
Car insurance for a Kia Optima costs anywhere from $31 per month in Wyoming to $169 in Louisiana for minimum coverage, depending on where you're located. These differences reflect your state's risk characteristics and insurance regulations rather than anything specific about the vehicle itself.
| Alabama | $73 | $137 |
| Alaska | $62 | $132 |
| Arizona | $102 | $190 |
| Arkansas | $71 | $158 |
| California | $81 | $164 |
| Colorado | $84 | $202 |
| Connecticut | $121 | $208 |
| Delaware | $124 | $207 |
| Florida | $119 | $278 |
| Georgia | $128 | $212 |
| Hawaii | $45 | $102 |
| Idaho | $47 | $95 |
| Illinois | $82 | $152 |
| Indiana | $55 | $107 |
| Iowa | $51 | $122 |
| Kansas | $63 | $145 |
| Kentucky | $109 | $184 |
| Louisiana | $169 | $366 |
| Maine | $44 | $91 |
| Maryland | $136 | $230 |
| Massachusetts | $87 | $183 |
| Michigan | $136 | $258 |
| Minnesota | $71 | $147 |
| Mississippi | $75 | $149 |
| Missouri | $101 | $200 |
| Montana | $66 | $156 |
| Nebraska | $62 | $141 |
| Nevada | $157 | $284 |
| New Hampshire | $61 | $107 |
| New Jersey | $142 | $234 |
| New Mexico | $72 | $161 |
| New York | $107 | $191 |
| North Carolina | $68 | $133 |
| North Dakota | $51 | $112 |
| Ohio | $67 | $129 |
| Oklahoma | $80 | $177 |
| Oregon | $107 | $186 |
| Pennsylvania | $74 | $175 |
| Rhode Island | $105 | $187 |
| South Carolina | $88 | $164 |
| South Dakota | $48 | $144 |
| Tennessee | $69 | $138 |
| Texas | $109 | $222 |
| Utah | $92 | $156 |
| Vermont | $38 | $91 |
| Virginia | $81 | $131 |
| Washington | $81 | $150 |
| West Virginia | $76 | $154 |
| Wisconsin | $58 | $128 |
| Wyoming | $31 | $97 |
Kia Optima Costs by Model Year and Insurance Company
Driver age and your Kia Optima's model year affect insurance costs. A 2011 Optima costs an average of $174 monthly for full coverage, while a 2020 model jumps to $253 for drivers aged 35 to 55. Newer vehicles consistently command higher premiums and young drivers in their 20s pay even higher rates across all model years.
GEICO offers the cheapest rates across all Optima model years and could save you hundreds monthly compared to average costs. Shopping between insurers gives you the best opportunity to reduce your premiums.
Cost of Car Insurance for 2020 Kia Optima
| Geico | $79 | $171 |
| National General | $87 | $179 |
| Travelers | $106 | $194 |
| Progressive | $115 | $217 |
| Kemper | $117 | $235 |
| State Farm | $118 | $245 |
| The Hartford | $118 | $201 |
| AAA | $124 | $258 |
| Amica | $137 | $281 |
| Allstate | $143 | $277 |
| Nationwide | $149 | $257 |
| Chubb | $166 | $330 |
| AIG | $168 | $428 |
| Farmers | $169 | $301 |
| UAIC | $172 | $216 |
Cost of Car Insurance for 2019 Kia Optima
| Geico | $70 | $153 |
| National General | $78 | $160 |
| Travelers | $95 | $174 |
| Progressive | $103 | $194 |
| Kemper | $105 | $211 |
| State Farm | $105 | $219 |
| The Hartford | $105 | $180 |
| AAA | $111 | $231 |
| Amica | $122 | $251 |
| Allstate | $128 | $248 |
| Nationwide | $133 | $230 |
| Chubb | $149 | $296 |
| AIG | $150 | $383 |
| Farmers | $151 | $269 |
| UAIC | $154 | $194 |
Cost of Car Insurance for 2018 Kia Optima
| Geico | $56 | $123 |
| National General | $62 | $128 |
| Travelers | $76 | $139 |
| Progressive | $82 | $155 |
| Kemper | $84 | $168 |
| State Farm | $84 | $175 |
| The Hartford | $84 | $144 |
| AAA | $89 | $185 |
| Amica | $98 | $201 |
| Allstate | $102 | $198 |
| Nationwide | $106 | $184 |
| Chubb | $119 | $236 |
| AIG | $120 | $306 |
| Farmers | $121 | $215 |
| UAIC | $123 | $155 |
Cost of Car Insurance for 2017 Kia Optima
| Geico | $47 | $103 |
| National General | $53 | $108 |
| Travelers | $64 | $117 |
| Progressive | $70 | $131 |
| Kemper | $71 | $142 |
| The Hartford | $71 | $121 |
| State Farm | $71 | $148 |
| AAA | $75 | $156 |
| Amica | $83 | $169 |
| Allstate | $86 | $167 |
| Nationwide | $90 | $155 |
| Chubb | $100 | $199 |
| AIG | $101 | $258 |
| Farmers | $102 | $181 |
| UAIC | $104 | $131 |
Cost of Car Insurance for 2016 Kia Optima
| Geico | $40 | $87 |
| National General | $44 | $90 |
| Travelers | $54 | $98 |
| Progressive | $58 | $110 |
| Kemper | $59 | $119 |
| State Farm | $60 | $124 |
| The Hartford | $60 | $102 |
| AAA | $63 | $131 |
| Amica | $69 | $142 |
| Allstate | $72 | $140 |
| Nationwide | $75 | $130 |
| Chubb | $84 | $167 |
| AIG | $85 | $217 |
| Farmers | $86 | $152 |
| UAIC | $87 | $109 |
Kia Optima Insurance Cost by Trim
Insurance costs for your Kia Optima vary by trim, ranging from $66 monthly for minimum coverage on basic LX Turbo Sedan 4D models to $244 for full coverage on high-performance EX Premium Sedan 4D variants. Performance features and market value determine where each trim falls in this range.
| Lx Turbo Sedan 4d | $66 | $128 |
| Premium Sedan 4d | $73 | $143 |
| Sedan 4d | $76 | $146 |
| Limited Sedan 4d | $79 | $153 |
| Lx Sedan 4d | $79 | $153 |
| Hybrid Sedan 4d | $82 | $158 |
| Sx Turbo Sedan 4d | $89 | $173 |
| Ex Hybrid Sedan 4d | $91 | $176 |
| Ex Sedan 4d | $92 | $178 |
| S Sedan 4d | $95 | $185 |
| Lx Hybrid Sedan 4d | $98 | $189 |
| Se Sedan 4d | $98 | $190 |
| Sx Sedan 4d | $101 | $195 |
| Limited-Sxl Sedan 4d | $108 | $209 |
| Ex Premium Sedan 4d | $126 | $244 |
How to Lower the Cost of Kia Optima Insurance
Here's how you can lower your Kia Optima insurance costs with these proven money-saving strategies:
- 1Choose the Right Coverage
You'll need to decide how much coverage to buy for your Kia Optima. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by reviewing average auto insurance costs for midsize sedans. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your Kia Optima in markets like Orange County or Atlanta.
- 3Look for More than Just Low Rates
Selecting reliable car insurance means evaluating insurers beyond price quotes alone. Check J.D. Power satisfaction ratings, examine forum feedback about claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget options could provide limited coverage or slower customer service when you need help most.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation and location. Kia Optima owners often get safety features discounts, good driver discounts, multi-vehicle savings and bundling discounts. Business owners in areas like Silicon Valley or Wall Street might also qualify for professional organization discounts or low-mileage reductions.
- 5Consider Alternative Car Insurance Types
Kia Optima owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions based on your actual driving behavior, which can be especially valuable for business owners with predictable commuting patterns in metro areas.
- 6Check Rates Every Year
Get car insurance quotes from multiple companies annually to ensure you're getting the best deal. Your current insurer doesn't notify you when competitors lower their prices, so yearly comparisons might save up to 24% on your Kia Optima insurance. Market conditions change frequently, making regular shopping essential for maintaining affordable coverage.
Kia Optima Insurance Cost: Bottom Line
Kia Optima insurance runs average in cost, but you can still find decent rates. Shopping multiple insurers, claiming discounts and adjusting coverage options helps you get better pricing for your vehicle.
Kia Optima Insurance Rates: FAQ
What is the average cost of car insurance for a Kia Optima?
Kia Optima insurance costs $1,065 annually for state minimum coverage and $2,061 for full coverage. These rates represent solid value compared to national averages.
What company has the cheapest car insurance for a Kia Optima?
GEICO provides the most affordable auto insurance for a Kia Optima, with minimum coverage starting at $714 annually. The company also delivers the best value for full coverage policies at $1,551 per year.
Are Kia Optimas expensive to insure?
No, Kia Optima insurance is not expensive compared to most vehicles. Among sedans specifically, this model ranks 94th out of 199 for affordability, while it places 350th out of 827 total vehicles we track.
What factors affect insurance costs for Kia Optimas?
Various factors influence Kia Optima insurance rates. The vehicle benefits from affordable repair costs due to widespread parts availability, strong safety ratings that help reduce premiums, and moderate theft rates compared to other sedans. Your driving record, credit score and chosen coverage levels also impact your costs.
How can I lower Kia Optima insurance costs?
Compare quotes from several insurers since Kia Optima costs differ between companies and explore usage-based programs that monitor your driving behavior. Claim discounts, bundle policies with home or renters insurance and maintain a clean driving record to get better rates.
How We Determined Kia Optima Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Kia Optima insurance costs.
Who We Based These Rates On
These Kia Optima rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.