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Cheapest Kia Optima Car Insurance (Feb 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Kia Optima
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

How much does Kia Optima car insurance cost? 

The Kia Optima (not to be confused with the
Kia Optima Hybrid
) costs an average of $104 per year to insure with minimum coverage, and $231 with full coverage. 
Vehicle type
Monthly minimum coverage cost
Monthly full coverage cost
Kia Optima
$104
$231
However, what you actually pay to insure your Optima depends on its age, your location, your drive profile, and other factors. Collecting multiple personalized car insurance quotes will tell you more about the minimum, maximum, and median rates for you.

Compare the cheapest Kia Optima car insurance quotes

This may feel complicated, but it doesn’t have to be.
Jerry
is a
car insurance price comparison
tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Kia Optima drivers save an average of $1,970 per year on their car insurance. 
Check out the table below to see real, free quotes that real people have gotten from Jerry.
DateCarInsurance companyPremium (monthly)CustomerInsurance coverage
February 28, 2024
KIA Optima LXBristol West
$180
• 25,000/50,000 Liability
February 28, 2024
KIA Optima EXAAA
$78
• State Minimum Liability
February 28, 2024
KIA Optima LXSafeco
$135
• 100,000/300,000 Liability
• Comp / Collision
February 16, 2024
KIA Optima EXProgressive
$354
• 50,000/100,000 Liability
• Comp / Collision
February 10, 2024
KIA Optima LXNationwide
$102
• State Minimum Liability
• Comp / Collision
coverageLast Updated Feb 28, 2024
However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.
To find out the rate for your Kia Optima, you’ll need to
get car insurance quotes
from at least three insurance companies.

The best car insurance companies for Kia Optima owners

There’s no single cheapest car insurance provider—each one uses a different formula to
calculate your premiums
—and no single best provider for every driver. The winner depends on your priorities.
Jerry conducted a national insurance shopping survey in order to identify the top pick for every kind of driver. We asked over 15,000 verified policyholders to rate their providers in several key areas:
  • Price: If you bought an Optima because it was affordable and you’d like to keep it that way, look for a provider that scores highly in policy cost.
  • Claims experience: You can keep your sedan stress-free with a provider that offers convenience and frequent communication around the claims process.
  • Customer service: Friendly, helpful, and convenient describes both your car and the ideal customer service experience.
Take a look at the table below to see the top scorers in each category, plus the winner in overall customer approval:
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How much car insurance do you need for a Kia Optima?

The Kia Optima is a versatile vehicle and you should base your insurance needs on how you use it. If you commute regularly, it’s worth looking at
collision coverage
to fix the effects of any fender benders. If you travel, you may be interested in
roadside assistance
Here are the average costs for the two main types of insurance you can get for a Kia, and a brief explanation of both:
  • Minimum coverage insurance
    is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance. 
  • Full coverage insurance
    provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.
If you like the sound of a full coverage policy but don’t like the price, make sure to
shop for car insurance the right way
before giving up coverage. Comparing real prices can get you a better deal than what the average insurance rates hint at.

Why are some trims more expensive to insure than others?

The Kia Optima differentiates trims by power, comfort, and technology. For example, the 2020 Optima SX has more luxurious upholstery, a turbo engine, and a sportier suspension than the base LX model. All three contribute to higher repair and replacement costs, which translate to increased insurance rates.
CarMonthly minimum coverage costMonthly full coverage cost
Optima KIA
$107
$280
Optima KIA EX
$111
$200
Optima KIA Hybrid
$107
$193
Optima KIA LX
$102
$201
Optima KIA Magentis
$72
$117
Optima KIA SX
$109
$206
Optima KIA SXL
$92
$206
Lower my car insurance too!

Kia Optima insurance cost by model year

The more recently your Kia Optima was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Kia Optimas provided by Jerry to better understand how your driver profile might affect your cost.

2020 Kia Optima car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$200
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$271
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$158
• State Minimum Liability
• Comp / Collision
Gainsco
$296
• State Minimum Liability
• Comp / Collision
Clearcover
$95
• State Minimum Liability
• Comp / Collision
coverageLast Updated Feb 29, 2024

2019 Kia Optima car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Nationwide
$138
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$167
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$130
• State Minimum Liability
• Comp / Collision
Mercury
$131
• State Minimum Liability
• Comp / Collision
Clearcover
$144
• State Minimum Liability
• Comp / Collision
coverageLast Updated Feb 23, 2024

2018 Kia Optima car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$172
• State Minimum Liability
• Comp / Collision
AAA
$141
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$163
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$411
• State Minimum Liability
• Comp / Collision
Plymouth Rock
$246
• State Minimum Liability
coverageLast Updated Feb 29, 2024

2017 Kia Optima car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Allstate
$104
• 50,000/100,000 Liability
Travelers
$128
• 100,000/300,000 Liability
• Comp / Collision
AAA
$229
• 25,000/50,000 Liability
• Comp / Collision
2017
KIA Optima Plug-In Hybrid
Infinity
$141
• State Minimum Liability
Mercury
$312
• State Minimum Liability
• Comp / Collision
coverageLast Updated Feb 29, 2024

2016 Kia Optima car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Nationwide
$92
• State Minimum Liability
• Comp / Collision
Clearcover
$158
• 50,000/100,000 Liability
• Comp / Collision
Mercury
$131
• 100,000/300,000 Liability
• Comp / Collision
Bristol West
$212
• State Minimum Liability
Plymouth Rock
$193
• State Minimum Liability
coverageLast Updated Feb 28, 2024

2015 Kia Optima car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Nationwide
$93
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$154
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$235
• State Minimum Liability
• Comp / Collision
Travelers
$63
• 100,000/300,000 Liability
• Comp / Collision
AAA
$92
• State Minimum Liability
coverageLast Updated Feb 27, 2024

2014 Kia Optima car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$114
• 50,000/100,000 Liability
2014
KIA Optima SX
Travelers
$232
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$73
• State Minimum Liability
• Comp / Collision
AAA
$179
• 30,000/60,000 Liability
• Comp / Collision
Nationwide
$177
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Feb 29, 2024

2013 Kia Optima car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Nationwide
$229
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$167
• 100,000/300,000 Liability
• Comp / Collision
AAA
$107
• State Minimum Liability
• Comp / Collision
Safeco
$95
• State Minimum Liability
• Comp / Collision
Mercury
$216
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Feb 27, 2024

Are Kia Optimas expensive to insure? 

The average rate for coverage for a Kia Optima is $168 per month. Compared to the national average for other models from a similar price range, it is 2% more expensive to insure a Kia Optima.
Vehicle type
Monthly minimum coverage cost
Monthly full coverage cost
$84
$175
$98
$225
Kia Optima
$104
$231
$105
$241
$116
$261

Kia Optima safety ratings

Insurance companies also consider the safety ratings of a particular car to determine insurance premiums. 
The two best-known vehicle safety rating organizations are:
  • Insurance Institute for Highway Safety (IIHS): The IIHS assesses the safety of a vehicle using two factors: how well vehicle occupants are protected in the event of a car crash, and how well the technology in the vehicle can prevent or reduce the severity of crashes.
  • National Highway Traffic Safety Administration (NHTSA): The NHTSA’s 5-Star Safety Rating is based on how vehicles perform in frontal, side and rollover crash tests. 
See the tables below for a detailed look at safety ratings for the Kia Optima.

Insurance Institute for Highway Safety (IIHS) Rating

Rating typeRating
Headlights (varies by trim/option)
Good/Poor depending on trim/option
Front crash prevention: vehicle-to-vehicle
Superior
Front crash prevention: vehicle-to-pedestrian (day)
Superior
LATCH ease of use
NoCredit

Kia Optima safety features 

The safety features of a model will also impact your insurance costs. 
A vehicle with more advanced safety features poses a lower risk to insurance companies. As a result, insurance costs will be lower for vehicles with more (and better) safety features. 
The Kia Optima has a variety of safety features. Learn more about them below.
Safety featureDescription
Security system
The vehicle is equipped with a means of anticipating and/or detecting unwanted vehicle intrusion.
Stability control
Stability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle.
Front-impact airbags
Front-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash.
Overhead airbags
Overhead airbags are used to protect the occupant's heads in the event of a side collision or rollover.
Pretensioners
Seatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision.
Knee airbags
Knee airbags help to protect the occupants lower extremities from serious injury in the event of an accident.
Side impact airbags
Side impact airbags for the front seats have been designed to protect the torso during a side impact collision.
Anti-lock brakes
ABS brakes automatically sense when a tire has stopped rotating under extreme braking, and will modulate the brake pressure to allow the tire to rotate.This increases the vehicles ability to turn while braking.
Anti-whiplash
Anti-whiplash head restraints actively react to rear collision forces and craddle the occupants head in an effort to reduce the likelihood of a whiplash injury.

What other factors affect Kia Optima insurance rates?

Many factors influence your
car insurance rate
, such as:
  • The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
  • Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
  • Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.

Kia Optima insurance cost for young drivers

Teen drivers
between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents.
card cover
Maude (20 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$354
per month
card cover
Wesley (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$148
per month
card cover
Richard (23 years old)
coverageCoverage
State Minimum
$411
per month
card cover
Melvin (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$77
per month
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Earl (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$95
per month

Kia Optima insurance cost for senior drivers

As you enter your mid-70s, car insurance costs begin to climb again.
Car insurance rates for seniors
tend to be higher for several reasons. 
Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.
card cover
Wesley (67 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$135
per month
card cover
Charlie (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$233
per month
card cover
Barry (79 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carKIA Optima SX
$79
per month
card cover
Ida (81 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationSeaside Heights, NJ
$99
per month
card cover
Craig (74 years old)
coverageCoverage
State Minimum
$352
per month

Kia Optima insurance cost for drivers with driving violations 

Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.  
If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Kia Optima drivers with speeding ticket

There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit. 
Jerry is proud to help Kia Optima drivers with varying speeding tickets save on car insurance.
Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
KIA Optima SXProgressive
$80
• 50,000/100,000 Liability
• Comp / Collision
Speeding 6-10
KIA Optima SXProgressive
$109
• 100,000/300,000 Liability
• Comp / Collision
Speeding 16-20
KIA Optima LXTravelers
$401
• 50,000/100,000 Liability
• Comp / Collision
Speeding 11-15
KIA Optima HybridMercury
$125
• State Minimum Liability
• Comp / Collision
Speeding 21+
KIA Optima EXBristol West
$229
• 100,000/300,000 Liability
coverageLast Updated Feb 27, 2024

Cheapest car insurance for Kia Optima drivers with a DUI record

If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. 
You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Kia Optima drivers obtain affordable auto insurance rates after a DUI.
card cover
Roy (40 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$273
per month
card cover
Isabella (51 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$125
per month
card cover
Miguel (33 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$226
per month
card cover
Gordon (43 years old)
coverageCoverage
State Minimum
$174
per month
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Jay (35 years old)
coverageCoverage
15,000 per person
30,000 per accident bodily injury
Comp / Collision
$111
per month

Cheapest car insurance for Kia Optima drivers after an accident

One of the most important factors affecting car insurance rates is your car accident or claim history. 
If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Kia Optima drivers save on car insurance after car accidents.
Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
KIA Optima LXProgressive
$143
• State Minimum Liability
• Comp / Collision
At Fault With Injury
KIA Optima LXNationwide
$93
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
KIA Optima LXAllstate
$122
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
KIA Optima LXTravelers
$540
• 250,000/500,000 Liability
• Comp / Collision
At Fault With No Injury
KIA Optima LXSafeco
$235
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Feb 24, 2024

Cheapest car insurance for Kia Optima drivers with other driving violations on their record

Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase. 
We’ve compiled a list of various other driving violations and how we helped Kia Optima drivers with these violations save on their car insurance.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
KIA Optima EXProgressive
$107
• State Minimum Liability
Defective Equipment
KIA Optima LXAAA
$143
• 30,000/60,000 Liability
Failure to Obey Signal
KIA Optima LXSafeco
$119
• 500,000/500,000 Liability
Wrong Way/Wrong Lane
KIA Optima LXBristol West
$234
• State Minimum Liability
Cell Phone
KIA Optima LXNational General
$285
• State Minimum Liability
Careless Driving
KIA Optima LX
Gainsco
$299
• 30,000/60,000 Liability
• Comp / Collision
Driving on Sus. License
KIA Optima LXAllstate
$285
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
KIA Optima LXSafeco
$119
• 500,000/500,000 Liability
Seat Belt
KIA Optima LXBristol West
$149
• State Minimum Liability
Improper Passing
KIA Optima LXAllstate
$146
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Feb 29, 2024

How can I lower the cost of insurance for my car?

There are a variety of ways to lower insurance costs for your vehicle. 
  • Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
  • Raise your deductible: Your
    car insurance deductible
    is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
  • Reduce your coverage: If you have any older cars, you can
    reduce coverage
    on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
  • Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on. 
  • Bundle your insurance policies:
    Bundling your homeowners and auto insurance
    with the same company can amount to a lower overall bill. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
avatar
Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.