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.

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Updated: 31 March 2024
Written by
Bob Phillips
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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.

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