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
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?
Costs vary by model year and insurer. Full coverage for a Kia Optima is from $129 per month with GEICO to $308 with AIG, while minimum coverage ranges from $59 with GEICO to $138 with UAIC.
| 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. It's a few dollars per month more expensive than a Lincoln Continental.
The sedan ranks 350th out of 827 total vehicles. Sedans are pricier to insure overall.
| 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 |
The Kia Optima's insurance costs depend on repair costs, trim horsepower and driver profile.
- Average Repair or Replacement Costs: The Optima ranks seventh cheapest to maintain among 21 Kia models, with average repair costs of $657 a year. Lower repair costs keep the Optima's premiums down.
- Vehicle Trim, Features and Accessories: Horsepower on the Kia Optima ranges from 147 to 245 depending on trim. Higher-horsepower trims cost more to insure.
- Driver Profile: Kia Optima drivers are usually between 30 and 50, an age range that often qualifies for lower rates. Insurers may still weigh the Optima's sporty image against that age advantage, since it can attract more aggressive driving.
Kia Optima Insurance Cost by State
Kia Optima minimum coverage costs $31 a month in Wyoming and $169 a month in Louisiana, the cheapest and priciest states for coverage. State risk factors and insurance regulations drive the difference, not 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 model year affect Kia Optima insurance costs. A 2011 Optima costs $174 a month for full coverage on average. A 2020 model costs $253 a month for drivers aged 35 to 55. Newer Optima models cost more to insure than older ones, and drivers in their 20s pay higher rates than drivers 35 to 55 across every model year.
GEICO offers some of the lowest rates among major insurers for Optima drivers, which can mean savings of hundreds of dollars a month compared to average costs. Comparing quotes from several insurers is the most reliable way to find that lower rate.
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
Kia Optima insurance costs vary by trim. Minimum coverage on the base LX Turbo Sedan 4D runs $66 a month, while full coverage on the EX Premium Sedan 4D runs $244 a month. Higher trims carry more powerful engines and higher market values, which pushes their premiums toward the top of that 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
Kia Optima owners can lower their insurance costs with a few proven strategies:
- 1Choose the Right Coverage
You'll need to decide how much coverage to buy for your Kia Optima. If you own your car then get state liability. For increased cover, consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing your car means you need 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Look at average auto insurance costs for midsize sedans to help you when looking for the cheapest car insurance companies.
- 3Look for More than Just Low Rates
Selecting reliable car insurance means also looking at J.D. Power satisfaction ratings, Better Business Bureau complaints and AM Best financial stability ratings.
- 5Consider Alternative Car Insurance Types
Kia Optima owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise.
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
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.
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.
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.
The Kia Optima has affordable repair costs thanks to widespread parts availability. It also carries strong safety ratings that help lower premiums.
Compare quotes from several insurers and look into usage-based programs that monitor your driving behavior to give you discounts.
How We Determined Kia Optima Insurance Costs
MoneyGeek analyzed quote estimates for U.S. vehicle models from 2000 to 2025 to calculate these Kia Optima insurance costs.
Who We Based These Rates On
These rates reflect what an average driver pays: a 40-year-old unmarried male with a clean record, no tickets or crashes, good credit, no prior claims, a valid license with no suspensions and approximately 12,000 miles driven per year.
Coverage Definitions
Minimum coverage reflects state-required liability limits. Full coverage means 100/300/100 liability plus comprehensive and collision with a $1,000 deductible.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.