KIA Optima Car Insurance Cost
Insuring a KIA Optima typically costs around $882 per year with Allied Insurance. However, this price may differ depending on factors such as your age, your car’s model year, and other personal factors. You can use the quote tables below to get a more precise estimate that fits your individual situation.
If you’re contemplating purchasing a KIA Optima, it’s important to factor in the cost of insurance. Insurance is a significant aspect of car ownership, so it’s crucial to grasp the financial implications before making a decision.
Selecting the appropriate car insurance is vital to avoid unexpected and potentially high expenses down the road. It’s essential to have adequate coverage to avoid hefty out-of-pocket costs in the event of an accident. Additionally, if you’re deemed responsible for an accident, your insurance rates may rise.
Having analyzed car insurance rates for over ten years, I’ve noticed substantial variations in costs. Factors such as age, driving history, and location significantly influence insurance premiums.
How Much Does KIA Optima Car Insurance Cost?
On average, Allied offers the most competitive price, with full coverage insurance for a 2023 KIA Optima costing $882 per year.
While Allied’s price provides a helpful point of reference, it’s important to understand that car insurance expenses can vary significantly depending on several factors. These factors include where you live, your driving history, the age of your car, and the specific coverage options you choose. Generally, having a clean driving record leads to lower premiums, while a history of accidents or traffic violations may result in higher costs.
Additionally, living in urban areas with heavy traffic often means higher insurance rates compared to rural areas with lighter traffic. Your choice of coverage also impacts your premium; for example, full coverage insurance, which includes comprehensive and collision coverage, typically comes with a higher price tag than minimum liability coverage.
Insuranceopedia can help you navigate the insurance market by allowing you to compare quotes from different providers, ensuring you find the best deal for your needs.
2023 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Allied | $882 |
| Unigard | $1,411 |
| Metropolitan | $2,154 |
| Farmers | $2,285 |
2022 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Direct Auto | $1,106 |
| Mercury | $2,035 |
| Nationwide | $2,287 |
| Direct General Insurance | $3,133 |
| Metropolitan | $3,254 |
| Travelers | $3,311 |
| Unitrin | $4,675 |
2021 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $984 |
| Sentry | $1,148 |
| USAA | $1,159 |
| Oregon Mutual | $1,187 |
| Allied | $1,201 |
| Mutual Of Enumclaw | $1,220 |
| Clearcover | $1,264 |
| Travelers | $1,325 |
| Unigard | $1,318 |
| Unitrin | $1,435 |
2020 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $102 |
| Kemper Personal Insurance | $194 |
| Jupiter Auto Insurance | $461 |
| SAFECO | $507 |
| Mercury Insurance | $606 |
| American National P&C | $729 |
| NatGen PPA | $860 |
| Dairyland Broadform | $1,151 |
| Ameriprise Group | $1,176 |
| American National P | $1,187 |
2019 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $322 |
| Kemper Personal Insurance | $336 |
| Jupiter Auto Insurance | $469 |
| SAFECO | $684 |
| American National P&C | $844 |
| American National P | $930 |
| Concord Group | $1,064 |
| MMG Insurance Company | $1,088 |
| General Casualty | $1,232 |
| Bear River | $1,236 |
2018 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $207 |
| Dairyland Auto 1 Month | $246 |
| Plymouth Rock | $242 |
| SAFECO | $381 |
| Jupiter Auto Insurance | $485 |
| NatGen Advantage | $624 |
| Mercury Insurance | $708 |
| American National P&C | $758 |
| NatGen PPA | $942 |
| AssuranceAmerica | $949 |
2017 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| SAFECO | $532 |
| Kemper Auto Premier | $713 |
| Mercury Insurance | $748 |
| Bear River | $754 |
| Jupiter Auto Insurance | $806 |
| AssuranceAmerica Economy | $913 |
| EMC Insurance | $1,052 |
| General Casualty | $1,052 |
| American National P | $1,072 |
| NatGen PPA | $1,059 |
2016 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $78 |
| AssuranceAmerica Mobile Max | $356 |
| Jupiter Auto Insurance | $368 |
| SAFECO | $520 |
| Dairyland FR Bond | $682 |
| AssuranceAmerica | $835 |
| Mercury Insurance | $965 |
| Dairyland Broadform | $995 |
| American National P | $1,017 |
| Union Mutual Fire Group | $1,155 |
2015 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $10 |
| AssuranceAmerica Mobile Max | $80 |
| Kemper Auto Premier | $267 |
| Jupiter Auto Insurance | $336 |
| SAFECO | $361 |
| Dairyland Auto 1 Month | $398 |
| Dairyland FR Bond | $495 |
| Dairyland Broadform | $523 |
| American National P | $827 |
| NatGen PPA | $932 |
2014 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $230 |
| Jupiter Auto Insurance | $268 |
| SAFECO | $430 |
| Kemper Auto Premier | $590 |
| Dairyland FR Bond | $737 |
| AssuranceAmerica Mobile Max | $743 |
| Union Mutual Fire Group | $784 |
| Concord Group | $854 |
| Dairyland Broadform | $858 |
| American National P&C | $891 |
2013 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $121 |
| Dairyland Auto 1 Month | $218 |
| AssuranceAmerica Mobile Max | $346 |
| SAFECO | $409 |
| Dairyland Broadform | $419 |
| Jupiter Auto Insurance | $404 |
| Dairyland FR Bond | $446 |
| Kemper Auto Premier | $678 |
| Concord Group | $686 |
| Commerce Group Inc | $741 |
2012 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $181 |
| SAFECO | $453 |
| Jupiter Auto Insurance | $478 |
| Mercury Insurance | $488 |
| Union Mutual Fire Group | $727 |
| American National P&C | $759 |
| Concord Group | $810 |
| Kemper Personal Insurance | $887 |
| Utica National Ins Group | $961 |
| North Carolina Farm Bureau | $981 |
2011 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $113 |
| Kemper Personal Insurance | $465 |
| SAFECO | $478 |
| American National P&C | $520 |
| Co-Operative Ins Companies | $611 |
| American National P | $625 |
| North Carolina Farm Bureau | $818 |
| Concord Group | $851 |
| EMC Insurance | $864 |
| SECURA Insurance | $885 |
2010 KIA Optima Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $39 |
| SAFECO | $59 |
| Jupiter Auto Insurance | $111 |
| NatGen Value | $228 |
| American National P&C | $504 |
| American National P | $762 |
| Infinity Special | $809 |
| Kemper Auto Premier | $789 |
| Mercury Insurance Company | $820 |
| Clearcover | $863 |
Cost of KIA Optima Car Insurance By Age
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,051 | $8,893 | $10,365 |
| 18 | $5,625 | $8,291 | $9,671 |
| 19 | $4,961 | $7,319 | $8,554 |
| 20 | $4,328 | $6,374 | $7,458 |
| 21 | $3,658 | $5,360 | $6,238 |
| 22 | $3,542 | $5,196 | $6,109 |
| 23 | $3,114 | $4,536 | $5,340 |
| 24 | $2,956 | $4,327 | $5,046 |
| 25 | $2,536 | $3,728 | $4,386 |
| 30 | $1,984 | $2,897 | $3,421 |
| 35 | $1,859 | $2,740 | $3,200 |
| 40 | $1,797 | $2,610 | $3,072 |
| 45 | $1,727 | $2,534 | $2,992 |
| 55 | $1,576 | $2,323 | $2,755 |
| 65 | $1,672 | $2,433 | $2,835 |
| 75 | $2,095 | $3,063 | $3,602 |
KIA Optima Car Insurance Rates By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $1,871 | $2,729 | $3,513 |
| Alaska | $1,563 | $2,156 | $2,092 |
| Arizona | $1,781 | $2,556 | $3,769 |
| Arkansas | $1,932 | $3,037 | $3,344 |
| California | $2,159 | $3,827 | $2,145 |
| Colorado | $2,030 | $2,813 | $3,576 |
| Connecticut | $2,584 | $3,985 | $5,051 |
| Delaware | $2,127 | $2,822 | $3,643 |
| Florida | $2,553 | $3,509 | $4,590 |
| Hawaii | $828 | $1,108 | $820 |
| Idaho | $1,449 | $1,905 | $2,323 |
| Illinois | $1,516 | $2,289 | $2,574 |
| Indiana | $1,556 | $2,339 | $2,655 |
| Iowa | $1,240 | $1,694 | $1,961 |
| Kansas | $1,606 | $2,386 | $2,754 |
| Kentucky | $2,366 | $3,450 | $4,070 |
| Louisiana | $3,019 | $4,569 | $4,939 |
| Maine | $1,160 | $1,558 | $2,340 |
| Maryland | $1,834 | $2,671 | $2,970 |
| Massachusetts | $1,478 | $2,603 | $1,470 |
| Michigan | $3,575 | $5,428 | $8,593 |
| Minnesota | $1,451 | $1,951 | $2,782 |
| Mississippi | $1,776 | $2,538 | $2,534 |
| Missouri | $1,667 | $2,378 | $3,135 |
| Montana | $1,719 | $2,388 | $2,761 |
| Nebraska | $1,444 | $2,140 | $2,323 |
| Nevada | $2,371 | $3,539 | $3,725 |
| New Hampshire | $1,643 | $2,596 | $3,303 |
| New Jersey | $1,802 | $2,850 | $3,738 |
| New Mexico | $1,868 | $2,753 | $2,852 |
| New York | $1,726 | $2,186 | $3,632 |
| North Carolina | $1,055 | $1,820 | $1,320 |
| North Dakota | $1,469 | $2,197 | $2,633 |
| Ohio | $1,295 | $2,005 | $2,046 |
| Oklahoma | $2,072 | $2,982 | $3,356 |
| Oregon | $1,870 | $2,547 | $3,016 |
| Pennsylvania | $1,589 | $2,318 | $2,715 |
| Rhode Island | $2,677 | $3,918 | $4,386 |
| South Carolina | $1,818 | $2,494 | $3,455 |
| South Dakota | $1,601 | $2,330 | $2,711 |
| Tennessee | $1,916 | $2,793 | $3,744 |
| Texas | $1,907 | $2,770 | $3,436 |
| Utah | $1,648 | $2,305 | $3,135 |
| Vermont | $1,258 | $1,950 | $2,053 |
| Virginia | $1,177 | $1,812 | $1,762 |
| Washington | $1,566 | $2,137 | $2,537 |
| West Virginia | $1,575 | $2,245 | $2,814 |
| Wisconsin | $1,580 | $2,471 | $2,797 |
| Wyoming | $1,465 | $2,071 | $2,202 |
| Georgia | $2,055 | $3,080 | $3,106 |
FAQs
Who has the cheapest car insurance for a KIA Optima?
Allied provides the cheapest car insurance for the 2023 KIA Optima model year.
Which company offers the best car insurance for a KIA Optima?
We think that Allied provides the top car insurance choice for KIA Optima cars, given their competitive pricing, wide range of coverage options, and favorable customer service reputation.
