Kia Optima insurance costs average $89 monthly for minimum coverage and $172 per month for full coverage. Depending on your particular trim and model year, costs can range from $53 to $270 monthly for Kia Optima coverage.
Kia Optima Insurance Cost
Updated: September 30, 2025
Key Takeaways
Kia Optima insurance costs range from $89 to $270 monthly on average, with rates varying based on specific trim level and model year you choose.
Among all vehicle models sold in America from 2000 to 2025, the Kia Optima ranks 350th out of 827 total vehicles for overall insurance affordability.
GEICO provides the most affordable Kia Optima insurance with full coverage starting at $129 monthly and minimum coverage policies beginning at just $59 per month.
How Much Is Kia Optima Insurance?
| Kia Optima | $89 | $172 |
Kia Optima Insurance Cost by Model Year
Your insurance rates change based on your Kia Optima's model year and available trims from that time. Newer vehicles cost more to insure because of their higher fair market value. Monthly costs range from $59 for older models to $227 for newer ones.
| 2020 | $117 | $227 |
| 2019 | $105 | $203 |
| 2018 | $84 | $163 |
| 2017 | $71 | $137 |
| 2016 | $59 | $115 |
| 2015 | $96 | $186 |
| 2014 | $104 | $201 |
| 2013 | $95 | $185 |
| 2012 | $89 | $171 |
| 2011 | $83 | $160 |
| 2010 | $80 | $155 |
| 2009 | $83 | $159 |
| 2008 | $79 | $152 |
| 2007 | $75 | $144 |
| 2006 | $77 | $147 |
| 2005 | $100 | $191 |
| 2004 | $95 | $183 |
| 2003 | $92 | $177 |
| 2002 | $85 | $163 |
| 2001 | $80 | $154 |
Kia Optima Insurance Cost by Trim
Your Kia Optima's trim affects insurance costs based on its features, market value and desirability. Monthly premiums range from $66 for basic trims to $244 for premium versions. Higher-end trims with advanced features cost more to insure due to increased replacement values.
| 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 |
Compare Personalized Kia Optima Insurance Costs
We broke down Kia Optima insurance costs by model year and trim for personalized estimates.
Data filtered by:Results filtered by:
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Model Year:2001
Select
Trim:Lx Sedan 4d
| Lx Sedan 4d | $73 | $141 |
Kia Optima Insurance Cost by Company
Kia Optima insurance costs vary by provider from $94 to $215 monthly. Minimum coverage ranges from $59 to $138, while full coverage costs $129 to $308. Rates vary due to different risk assessment models.
| AAA | $94 | $194 |
| AIG | $123 | $308 |
| Allstate | $113 | $218 |
| Amica | $101 | $206 |
| Chubb | $116 | $228 |
| Farmers | $125 | $221 |
| GEICO | $59 | $129 |
| Kemper | $86 | $173 |
| Nationwide | $108 | $187 |
| Progressive | $96 | $180 |
| State Farm | $83 | $173 |
| The Hartford | $90 | $154 |
| Travelers | $80 | $146 |
| UAIC | $138 | $173 |
Kia Optima Insurance Cost by State
Kia Optima insurance costs vary dramatically by location, ranging from $31 monthly in Wyoming to $366 in Louisiana.
| 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 Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, dramatically impacts Kia Optima insurance costs. Young drivers under 25 face the steepest rates at $331 monthly, while adult drivers between 26-64 enjoy the most affordable coverage at just $130 per month.
| Adult Drivers | $89 | $172 |
| Young Drivers | $227 | $436 |
| Senior Drivers | $119 | $218 |
| Drivers With a Speeding Ticket | $111 | $216 |
| Drivers With an Accident | $131 | $252 |
| Drivers With a DUI | $162 | $310 |
| Drivers With Bad Credit | $211 | $424 |
Is a Kia Optima Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Kia Optima ranks 350th out of 827, placing it around the average for insurance costs. Among midsize sedans, the model ranks 29th out of 37.
| Saturn S-Series | $47 | $90 |
| Dodge Stratus | $52 | $100 |
| Saab 9-5 | $53 | $103 |
| Saturn L-Series | $56 | $107 |
| Pontiac Grand Am | $59 | $113 |
| Mercury Milan | $62 | $118 |
| Mercury Sable | $64 | $122 |
| Suzuki Verona | $68 | $130 |
| Chrysler Sebring | $68 | $130 |
| Saab 9-3 | $68 | $131 |
| Mercury Montego | $71 | $137 |
| Pontiac Grand Prix | $73 | $140 |
| Pontiac G6 | $75 | $144 |
| Mitsubishi Galant | $76 | $146 |
| Chevrolet Malibu | $78 | $151 |
| Ford Fusion | $80 | $155 |
| Nissan Altima | $80 | $155 |
| Volkswagen CC | $81 | $156 |
| Nissan Maxima | $82 | $159 |
| Volkswagen Passat | $83 | $159 |
| Hyundai Azera | $84 | $162 |
| Honda Clarity | $85 | $164 |
| Dodge Magnum | $85 | $164 |
| Subaru Legacy | $85 | $165 |
| Honda Accord | $86 | $166 |
| Chrysler 200 | $86 | $166 |
| Mazda 6 | $86 | $167 |
| Dodge Avenger | $87 | $168 |
| Kia Optima | $89 | $172 |
| Toyota Camry | $90 | $175 |
| Hyundai Sonata | $96 | $186 |
| Hyundai Ioniq 6 | $96 | $187 |
| Kia K5 | $99 | $193 |
| Toyota Crown | $108 | $210 |
| Kia Stinger | $121 | $235 |
| Toyota Mirai | $140 | $273 |
| Lucid Air | $160 | $314 |
Factors That Affect Kia Car Insurance Costs
Several factors influence what you'll pay for Kia Optima insurance coverage:
- Age (average 48 years old): Middle-aged professionals receive lower rates than younger drivers.
- Gender (56% male, 44% female): Slight male preference, typical of midsize sedan segment.
- Income ($50,000 to $100,000): Middle-class buyers with stable credit scores affect premiums.
- Education (33% college graduates): Mixed education levels indicate broad market appeal.
Average Repair or Replacement Costs
Kia ranks fifth in repair affordability among 59 U.S. automakers with median annual costs of $612. Kia Optima repair costs average $657 annually, making it one of Kia's more affordable options to repair.
Vehicle Trim, Features and Accessories
The Kia Optima offers five trim levels from base LXS to high-performance GT. Entry-level trims with 2.5L naturally aspirated engines (191 horsepower) have a moderate insurance impact.
Higher trims, like GT with turbocharged 2.5L engine (290 horsepower), dual-clutch transmission and premium features, cost more to insure due to their performance capabilities and higher replacement values.
Fuel Type
Kia Optima models run on regular gasoline with efficient four-cylinder engines instead of premium fuel requirements. Most shops can work on Optima vehicles without issues.
Standard repair procedures and widespread parts availability keep costs reasonable. Plus, Kia parts cost less than luxury sedan parts. Insurance companies know this, so they charge Optima owners moderate rates to cover these manageable repair expenses.
Location
Kia Optima owners are found nationwide, and they are highly appealing to value-conscious midsize sedan buyers. Location affects rates through state regulations, weather risks, crime rates and accident statistics.
Extensive dealer network and parts availability maintain consistent repair costs across most regions, helping stabilize insurance rates.
Driver Profile
Most Kia Optima drivers are middle-aged (the average age is 48) with household incomes of $50,000 to $100,000. This demographic receives moderate rates due to responsible driving patterns.
Driver demographics affect Kia Optima rates:
Cheapest Kia Optima Insurance Companies
GEICO offers the most affordable Optima car insurance with full coverage averaging $129 monthly. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage for Optima owners at $59 per month.
| GEICO | $59 | $129 |
| Travelers | $80 | $146 |
| The Hartford | $90 | $154 |
| State Farm | $83 | $173 |
| Kemper | $86 | $173 |
Cheapest Kia Optima Insurance by State
Overall, we found that the following are the top three cheapest car insurance providers in the state for a Kia Optima:
- GEICO: Wins for affordability in 15 states
- Auto-Owners: Wins for affordability in seven states
- Travelers: Wins for affordability in six states
You can filter below to see who offers the most affordable auto insurance rates for your Kia Optima.
Data filtered by:Results filtered by:
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State:Alabama
| Alabama | Cincinnati Insurance | $38 |
How to Get the Best Cheap Kia Optima Insurance
We break down the best way to buy car insurance for your Kia Optima:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Kia's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Kia Optima, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Kia Optima/K5 owners will qualify for:
- Bundling/Multi-Policy Discount (5% to 25% savings): With Kia buyers having a median income of $58,000 and targeting middle-class families, many Optima/K5 owners are homeowners who can bundle auto and home insurance. This practical sedan attracts financially responsible buyers who benefit from combining policies with the same insurer.
- Good Driver/Safe Driver Discount (5% to 30% savings): The Optima/K5 appeals to mature, practical buyers with an average age of 48 years who prioritize reliability and value. This demographic typically maintains clean driving records, making them prime candidates for safe driver discounts from most insurance companies.
- Safety Features/Advanced Safety Discount (5% to 40% savings): Both the Optima and K5 come standard with comprehensive safety technology, including Forward Collision Avoidance, Lane Keeping Assist, Blind Spot Detection, and automated emergency braking. These advanced driver assistance systems help qualify for equipment-based discounts.
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Targeting middle-class families, many Optima/K5 households manage multiple vehicles for different family members. The practical nature of this midsize sedan makes it ideal for families who can access multi-car discounts from virtually all insurers.
- Electronic Funds Transfer (EFT)/Automatic Payment Discount (3% to 5% savings): The tech-savvy features in both the Optima and K5 attract buyers comfortable with digital solutions. Setting up automatic premium payments from a bank account provides consistent small savings while simplifying payment management for busy families.
- 5
Consider alternative car insurance types
Kia Optima owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Kia Optima insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Kia Optima Insurance Cost: Bottom Line
Insuring a Kia Optima costs about average. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Kia Optima Insurance Rates: FAQ
Here are answers to common questions about insuring a Kia Optima.
What is the average cost of car insurance for a Kia Optima?
The Kia Optima's average annual insurance cost is costs $1,065 for state minimum coverage and $2,061 for full coverage.
What company has the cheapest car insurance for a Kia Optima?
GEICO offers the most affordable Optima car insurance with full coverage averaging $129 monthly. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage for Optima owners at $59 per month.
Are Kia Optimas expensive to insure?
Compared to the rest of the models on the U.S. market, a Kia Optima ranks 350th out of 827, placing it around the average for insurance costs. Among midsize sedans, the model ranks 29th out of 37.
What factors affect insurance costs for Kia Optimas?
Several things drive up your Kia Optima rates. Where you live affects rates. Areas with more theft or higher weather risks will raise prices. Additionally, the level of coverage you choose, your specific model trim and year will also affect your costs.
How can I lower Kia Optima insurance costs?
Shop around with multiple insurers as rates vary for Kias, and consider usage-based insurance programs that track your driving habits. Take advantage of Kia's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Kia Optima Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. vehicle models sold from 2000 to 2025 to get you the most accurate Kia Optima insurance costs.
Who We Based These Rates On
These Kia Optima prices reflect what a typical 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.