Key Takeaways
Do you think your Kia Optima car insurance rates are high? Well, let's compare reality with the models in the same segment. Also, learn the key factors that impact the car insurance rate and the average insurance rate offered by various car insurance providers.
Kia Optima car insurance cost is moderately high compared to its US competitors, such as Subaru Legacy, Honda Accord, Toyota Camry, and Chevrolet Malibu. Meanwhile, the average rates are lower than those of the Nissan Altima and the Hyundai Sonata. The average annual insurance cost for the Kia Optima, across all trims and model years, is $1,632. See the comparison with the average rates of other brand models in the midsize sedan segment, and check your estimated car insurance rate in the table below.
| Make & Model | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| Subaru Legacy | $1,452 | $121 |
| Honda Accord | $1,524 | $127 |
| Toyota Camry | $1,572 | $131 |
| Chevrolet Malibu | $1,584 | $132 |
| Kia Optima | $1,632 | $136 |
| Nissan Altima | $1,680 | $140 |
| Hyundai Sonata | $2,077 | $173 |
Model Year & Trim: Model year is a key factor influencing the Kia Optima car insurance rates. The older the model year is, the lower the insurance rates go. Also, each model year has a trim level that features variations in engine, performance, and experience. Like the model year, the trim level also influences the car value. Since the basic model of the car only includes the unavoidable features, the insurance rates will be lower compared to the top variant.
Safety Ratings & Features: The safety features and the level of its efficiency, as measured by various agencies such as IIHS and NHTSA, are valued by the insurers. Good ratings and features can lower the Optima insurance rates. However, as the complexity of safety features increases, insurance rates also go up.
Repair Costs & Parts Availability: Unless a major repair, such as engine replacement, pounces upon you, the general cost of Kia Optimus maintenance is lower. All the same, the imported parts of the car model might experience a surge; apart from that, the economic rates for repair costs affect the car insurance rates positively and help you get a cheaper quote.
Theft Rates: Theft rate is a major concern for Jia Optimus owners. The report of NICB hit the car owners at distinct points. While the concern for theft rises, so does car insurance.
Driver-Related Factors: Age, gender, and marital status are deciding factors for car insurance. Also, your driving record and sometimes your credit score are seen as influential. It is best to insure the car in the name of an experienced driver rather than a younger one. And the rates get lower if the driver is female. No matter who, the insurers check the driving history, and any record of violations or at-fault road incidents will lead to higher insurance rates. Therefore, it is always best to explore plans that suit your driving habits.
Location: The address to which the car has been registered is important for carriers while calculating the insurance premium. Due to high theft rates or a greater chance of natural disasters, insurance rates for certain locations may experience variation.
Though the overall insurance rate for the Kia Optima is moderately high, you can find cheaper insurance rates based on the model year and insurer. Go through the average Kia Optima car insurance rates based on the model year in the table below.
| Kia Optima Model Year | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| 2020 Kia Optima | $1,643 | $137 |
| 2019 Kia Optima | $1,742 | $145 |
| 2018 Kia Optima | $1,379 | $115 |
| 2017 Kia Optima | $1,289 | $107 |
| 2016 Kia Optima | $1,095 | $91 |
| 2015 Kia Optima | $1,096 | $91 |
| 2014 Kia Optima | $1,081 | $90 |
| 2013 Kia Optima | $1,026 | $86 |
| 2012 Kia Optima | $945 | $79 |
| 2011 Kia Optima | $1,011 | $84 |
The rates offered by the insurers vary based on the claim rate, technology, and features associated with the particular car model. Regarding the Kia Optima, the Texas Farm Bureau is the cheapest insurance company. The average annual insurance rate offered by the carrier is $767, which is much cheaper compared to the overall Kia Optima insurance rate. For more cheap insurance rates for the car model, compare customer-rated insurers in the table below.
| Cheapest Insurance Companies | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| Texas Farm Bureau | $767 | $64 |
| USAA | $954 | $79 |
| Vermont Mutual | $961 | $80 |
| Erie | $994 | $83 |
| Tennessee Farmers | $1,061 | $88 |
| Progressive | $1,070 | $89 |
| Plymouth Rock Insurance | $1,137 | $95 |
| Acuity | $1,143 | $95 |
| Arbella | $1,165 | $97 |
| State Farm | $1,196 | $100 |
| American Family | $1,207 | $101 |
Kia Optima insurance rate for the 2020 model year, on average, is $1643 per year. The cheapest insurer for the model year is Vermont Mutual, with an annual offer of $1,137. Find more cheap insurance rates offered by leading insurers in the table below.
| Cheapest Insurance Companies | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| Vermont Mutual | $1,137 | $95 |
| Nationwide | $1,239 | $103 |
| Tennessee Farmers | $1,317 | $110 |
| USAA | $1,317 | $110 |
| American Family | $1,352 | $113 |
| State Farm | $1,423 | $119 |
| Country | $1,469 | $122 |
| Erie | $1,487 | $124 |
| Mercury | $1,515 | $126 |
| Southern Farm Bureau | $1,537 | $128 |
| Arbella | $1,572 | $131 |
Cincinnati Insurance is the cheapest insurer for the 2019 model Kia Optima. The average annual insurance offer by the carrier stands at $1,101. Compared to the overall average annual rate of $1,742, Cincinnati's offer is 36% cheaper. Also, other providers such as USAA, Auto Owners, Erie, etc., offer cheap rates for the 2019 Kia Optima. Find the respective cheap rates offered by various providers in the table below.
| Cheapest Insurance Companies | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| Cincinnati Insurance | $1,101 | $92 |
| USAA | $1,232 | $103 |
| Auto Owners | $1,237 | $103 |
| Erie | $1,329 | $111 |
| Nationwide | $1,354 | $113 |
| Country | $1,381 | $115 |
| American Family | $1,386 | $116 |
| Mercury | $1,485 | $124 |
| State Farm | $1,501 | $125 |
| Acuity | $1,517 | $126 |
| Southern Farm Bureau | $1,522 | $127 |
The average annual insurance rate of the 2018 Kia Optima is $1,379. While USAA is the cheapest insurer for the model year, more carriers, such as Erie, Tennessee Farmers, etc., also offer cheap car insurance quotes. Find more affordable rates from the best insurers in the table below.
| Cheapest Insurance Companies | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| USAA | $928 | $77 |
| Erie | $1,003 | $84 |
| Tennessee Farmers | $1,040 | $87 |
| Progressive | $1,130 | $94 |
| Vermont Mutual | $1,200 | $100 |
| State Farm | $1,231 | $103 |
| Plymouth Rock Insurance | $1,237 | $103 |
| Acuity | $1,239 | $103 |
| Nationwide | $1,255 | $105 |
| Country | $1,327 | $111 |
| American Family | $1,330 | $111 |
The average annual insurance rate of the 2017 Kia Optima, $1,289, is 21% cheaper than the overall insurance rate for the model. Though several insurers, such as USAA, Erie, etc., offer cheap insurance for the car model year, Texas Farm Bureau is the cheapest. The average annual insurance rate offered by the carrier is $825. Average rates by the cheapest insurance providers for the 2017 Kia Optima are mentioned in the table below.
| Cheapest Insurance Companies | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| Texas Farm Bureau | $825 | $69 |
| USAA | $955 | $80 |
| Erie | $1,036 | $86 |
| Vermont Mutual | $1,198 | $100 |
| Plymouth Rock Insurance | $1,207 | $101 |
| Tennessee Farmers | $1,245 | $104 |
| Acuity | $1,264 | $105 |
| Progressive | $1,295 | $108 |
| Mercury | $1,335 | $111 |
| Country | $1,358 | $113 |
| State Farm | $1,359 | $113 |
The 2016 Kia Optima insurance rate on average is $1,095 per year. While Texas Farm Bureau is the cheapest insurance company for the model year, more carriers like Vermont Mutual, Nationwide, and some others also offer cheap rates. Go through the average affordable offers by leading carriers in the table below.
| Cheapest Insurance Companies | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| Texas Farm Bureau | $806 | $67 |
| Vermont Mutual | $889 | $74 |
| Nationwide | $1,185 | $99 |
| USAA | $1,193 | $99 |
| Arbella | $1,218 | $102 |
| Erie | $1,224 | $102 |
| American Family | $1,226 | $102 |
| Country | $1,226 | $102 |
| State Farm | $1,283 | $107 |
| Southern Farm Bureau | $1,316 | $110 |
| Tennessee Farmers | $1,334 | $111 |
A 2015 Kia Optima will cost you $1,096 per year, on average. However, $308 cheaper rates can be found with the Texas Farm Bureau, which is the cheapest insurer for the car model year. Insurers such as USAA, Erie, Vermont Mutual, etc., also offer cheap rates for the 2015 Kia Optima as mentioned in the table below.
| Cheapest Insurance Companies | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| Texas Farm Bureau | $788 | $66 |
| USAA | $805 | $67 |
| Erie | $884 | $74 |
| Vermont Mutual | $979 | $82 |
| Tennessee Farmers | $998 | $83 |
| Progressive | $1,021 | $85 |
| State Farm | $1,041 | $87 |
| Acuity | $1,105 | $92 |
| Country | $1,166 | $97 |
| Plymouth Rock Insurance | $1,173 | $98 |
| Arbella | $1,226 | $102 |
The cheapest insurance offer for the 2014 Kia Optima is 30% lower than the overall annual average. While the overall average for the model year is $1,081, the Texas Farm Bureau offers $746. The table below features more cheap Kia Optima car insurance rates.
| Cheapest Insurance Companies | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| Texas Farm Bureau | $746 | $62 |
| USAA | $815 | $68 |
| Erie | $867 | $72 |
| Vermont Mutual | $905 | $75 |
| Tennessee Farmers | $954 | $80 |
| Acuity | $1,023 | $85 |
| Progressive | $1,061 | $88 |
| State Farm | $1,103 | $92 |
| Country | $1,119 | $93 |
| Plymouth Rock Insurance | $1,142 | $95 |
| Arbella | $1,155 | $96 |
The annual insurance rate for a 2013 Kia Optima is $1,026 on average. You can find cheaper rates with the insurance providers such as USAA, Erie, Vermont Mutual, etc. Texas Farm Bureau is the cheapest provider with an annual average offer of $733. Find the cheap rates and the respective insurers offering in the table below.
| Cheapest Insurance Companies | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| Texas Farm Bureau | $733 | $61 |
| USAA | $761 | $63 |
| Erie | $859 | $72 |
| Vermont Mutual | $865 | $72 |
| Tennessee Farmers | $935 | $78 |
| State Farm | $966 | $81 |
| Progressive | $1,011 | $84 |
| Acuity | $1,015 | $85 |
| Arbella | $1,066 | $89 |
| American Family | $1,095 | $91 |
| Plymouth Rock Insurance | $1,108 | $92 |
The 2012 Kia Optima auto insurance rate on average is $945 per year. The cheapest insurer for the model year is Texas Farm Bureau, with an average annual offer of $706. There are more insurers with affordable rates available, as you can see in the table below.
| Cheapest Insurance Companies | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| Texas Farm Bureau | $706 | $59 |
| USAA | $734 | $61 |
| Erie | $774 | $65 |
| Vermont Mutual | $785 | $65 |
| State Farm | $859 | $72 |
| Tennessee Farmers | $886 | $74 |
| Progressive | $902 | $75 |
| Acuity | $946 | $79 |
| American Family | $1,042 | $87 |
| Arbella | $1,050 | $88 |
| Plymouth Rock Insurance | $1,069 | $89 |
According to research conducted by this website, Erie is the cheapest insurer for the 2011 Kia Optima. The overall average annual cost to insure the car model year is $1,011. The average of the cheap rates mentioned in the table below is 14% cheaper than the overall average.
| Cheapest Insurance Companies | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| Erie | $475 | $40 |
| Vermont Mutual | $691 | $58 |
| Texas Farm Bureau | $768 | $64 |
| USAA | $770 | $64 |
| Tennessee Farmers | $843 | $70 |
| Arbella | $867 | $72 |
| Country | $982 | $82 |
| American Family | $1,018 | $85 |
| Plymouth Rock Insurance | $1,022 | $85 |
| Acuity | $1,035 | $86 |
| Southern Farm Bureau | $1,067 | $89 |
The Kia Optima auto insurance rates are generally affordable. Listed below are the suite of features employed in the car model that help you to lower the insurance rates.
Car insurance providers weigh the ratings awarded to the car models based on several test criteria. Here is an overview of the ratings by the NHSTA on various test types in the table below.
| Test Type | NHTSA Ratings |
|---|---|
| Frontal Barrier for Driver | 5 Star |
| Frontal Barrier for Passenger | 4 Star |
| Side Barrier for Front and Rear | 5 Star |
| Side Pole | 5 Star |
| Combined Side Barrier and Side Pole for Front and Rear | 5 Star |
| Rollover | 5 Star |
| Dynamic Tip Result | No Tip |
| Rollover Risk | 9.80% |
The Kia Optima received good safety ratings from the IIHS, too. Here is an overview of the ratings for the respective evaluation criteria.
| Evaluation criteria | IIHS Ratings |
|---|---|
| Small overlap front: driver-side | Good |
| Small overlap front: passenger-side | Good |
| Moderate overlap front: original test | Good |
| Side: original test | Good |
| Roof strength | Good |
| Head restraints & seats | Good |
| Headlights | Good / Poor |
| Front crash prevention: vehicle-to-vehicle | Superior |
| LATCH ease of use | Acceptable |
Comparing quotes among multiple insurers is the most effective method to find the best Kia Optima car insurance rates. To compare the rates, you can go to the insurer's website directly or sign up for the insurance comparison tool, such as the Way app. While the carrier sites give the accurate rate, you need to visit each of them individually to get the quote. All the same comparison tools give the comparison on the basis of the price related to various coverages. While following any of these methods, you are advised to follow the steps below to find the most affordable rates for your Kia Optima.
Adjust Coverage Smartly: The latest and top variants up to 3-5-year vintage cars need collision and comprehensive coverage. As the car's value depletes due to depreciation, the insurance declared value also goes down. This doesn't meet the cost of parts and repair for your car. In such cases, you can raise the deductibles and lower the Kia Optima insurance cost (provided the driving history and claim rates are clean in previous years).
Bundle policies: If you are purchasing multiple insurance policies, including car insurance from the same provider, then you can bundle the policies. Policy bunding can get you an overall discounted rate for all the policies.
Additional Security Features: In addition to the built-in features for car security, if you are installing more on your own, remember to mention it in your car insurance application. Insurance providers value it as a positive step from the customer and lower the Kia Optima insurance rates.
Review and Renew Annually: Instead of sticking with the same insurer over the years, it is always best to research your car insurance every year; the chance of finding a better offer is always higher. Also, try to get quotes for the annual payment. Monthly payments might look smaller, but they will cost you more compared to the annual premiums.
Comparing individual rates on the Way app will give you a more accurate estimate, and our information can guide you in deciding where to start your search for intelligent vehicle insurance. You can compare premiums rather than request insurance quotes from numerous websites. The simplest method to find the best offer is to use this speedy, simple, and cost-free method.
It is ideal for conducting a thorough investigation to locate numerous trustworthy insurers from whom you can request competitive insurance quotes. We can help you by providing a list of regional insurers who can provide you with affordable rates based on changeable criteria. Start by going to our insurance quotation page.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
The average yearly cost of Kia Optima car insurance is $1,632.
Kia Optima car insurance rates are moderately high. However, searching for and comparing prices from various insurers may enable you to obtain an even more affordable premium.
No, the Kia Optima is categorized under the midsize sedan segment.
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