How cheap is car insurance for a Kia Optima?

Cheap car insurance for a Kia Optima can be had for around $125/month. But your driving record, age, and location will all impact your personal Kia Optima car insurance rates. Luckily Kia Optima auto insurance is pretty cheap due to the vehicle’s low theft rates and solid safety ratings. Enter your ZIP code below to start shopping for Kia Optima car insurance quotes.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 23, 2020

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Kia Optima Summary
Kia Optima SummaryStatsSource
Average Comprehensive Rate$322Quadrant Data
Average Liability Rate$420Quadrant Data
Average Collision Rate$532Quadrant Data
MSRP & Fair Market Range$24,355
$17,407 - $19,674
Kelley Blue Book
Average Cost of Repairs $471Repair Pal
Theft RatesN/ANICB
Overall Safety Rating5 out of 5 (NHTSA)
Good (IIHS)
NHTSA
IIHS
Midsize Fatality Rate per Million Vehicles41IIHS
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How much is insurance for a Kia Optima? Cheap car insurance for a Kia Optima insurance are less than $1,500/yr or $125/mo. We’ve got the answers right here. Continue reading to learn how to get cheap car insurance for a Kia Optima.

If you want to get the cheapest car insurance quotes right now, enter your ZIP code in the free comparison tool above to compare Kia Optima auto insurance rates in your local area.

Table of Contents

Kia Optima Car Insurance Rates

How cheap is car insurance for a Kia Optima? The cost of car insurance for a Kia Optima will depend on the coverage you select. As you get closer to buying car insurance you’ll need to know about general coverage level options, which determine the coverage limit of liability coverage.

Liability coverage is minimum car insurance requirement in the U.S.

State minimum car insurance requirements differ. In most states, liability coverage consists of bodily injury liability and property damage liability. Other states add additional liabilities like personal injury protection (PIP), medical payments (Med Pay), and uninsured/underinsured motorist coverage (UM/UIM).

Watch this video on how uninsured/underinsured motorist coverage works.

Now that you know what you might need, let’s look at how much a Kia Optima’s car insurance costs per year.

Model YearAnnual RatesEstimated Monthly Payments
2020 Kia Optima$1,454$121.17
2019 Kia Optima$1,438$119.83
2018 Kia Optima$1,430$119.17
2017 Kia Optima$1,428$119.00
2016 Kia Optima$1,414$117.83
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Car insurance gets more expensive as the model year gets more recent. Newer vehicles have more expensive values and car insurance providers would have to pay more if the vehicle is involved in an accident.

If you’re financing the Kia Optima, your lender will require you to get collision and comprehensive coverage. These coverages will protect your car even if you’re at fault in an accident or if your car happens to get damaged that doesn’t involve a collision.

To make sure the vehicle will be covered in case of a total loss accident, the lender will enroll the vehicle into force-placed insurance.

Force-placed insurance will pay for the total cost of the vehicle if there isn’t enough on their policy limit to cover the damages of a total loss.

Cheap car insurance rates are based on factors that determine car insurance such as age, gender, credit history, driving record, commute mileage, location, marital status, and your vehicle’s make and model year.

Kia Optima Liability Car Insurance Rates

Liability car insurance is bodily injury liability and property damage liability combined. Bodily injury liability pays for any bodily injury caused by a car accident, while property damage pays for vehicle damage or other damage to property.

Here’s a general cost of liability car insurance cost for the Kia Optima.

Kia Optima Average Annual Liability Car Insurance Rates
Model YearAverage Annual
Liability Rates
2020 Kia Optima$420
2019 Kia Optima$440
2018 Kia Optima$450
2017 Kia Optima$470
2016 Kia Optima$486
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Liability car insurance rates seem to decrease as the model year gets more recent. New vehicles tend to safer than older vehicles. Older vehicles don’t have as many safety features.

Expect car insurance to be more expensive when you want to increase your coverage limit. The higher the coverage limit, the higher the coverage level, and the more you’ll pay for car insurance.

Kia Optima Comprehensive and Collision Car Insurance Rates

Comprehensive and collision coverage pay for damage to your vehicle but from different angles. Collision insurance coverage pays for property damage to your vehicle regardless if you were at fault or not.

Comprehensive insurance coverage pays for property damage that doesn’t involve a collision such as damage from vehicle theft, accidental fire, flood damage, storm damage, or a falling object.

You’ll be required to get comprehensive and collision insurance coverage if you’re financing a Kia Optima. Here are the Kia Optima annual costs for comprehensive and collision coverage.

Kia Optima Average Annual Comprehensive and Collision Car Insurance Rates
Model YearAverage Annual
Comprehensive Rates
Average Annual
Collision Rates
2020 Kia Optima$322$532
2019 Kia Optima$306$512
2018 Kia Optima$294$506
2017 Kia Optima$284$494
2016 Kia Optima$274$474
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Collision car insurance increases as the model year of the Kia Optima gets closer to 2020. Higher value vehicles tend to be more expensive for collision car insurance because car parts can be expensive if they’re damaged in a car accident.

Comprehensive costs are the lowest of the three because you’re less likely to get comprehensive damage to your vehicle.

How the value of a Kia Optima affects car insurance rates?

The Kia Optima is more popular than most cars but has recently had a drop in sales. According to Good Car Bad Car, the 2019 YTD sales (year-to-date sales) were 96,050, but the 2018 YTD-LY (last year-to-date sales) were 101,603. That’s 5.47 percent drop in sales.

Is the Kia Optima becoming more expensive? We can look at the value of the Kia Optima through Kelley Blue Book’s MSRP and Fair Market Range.

Kia Optima MSRP and Fair Market Range
Model YearMSRPFair Market Price Range
2020 Kia Optima$24,355$17,407 - $19,674
2019 Kia Optima$23,915$14,916 - $17,067
2018 Kia Optima$23,400$13,283 - $15,344
2017 Kia Optima$23,075$12,744 - $14,793
2016 Kia Optima$22,665$11,397 - $13,314
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The MSRP of each vehicle is lower 20,000s, but the fair market price range is much lower. MSRP or manufacturers suggested retail price is the cost that the manufacturer recommends for a dealer. Fair market price range is the price of the used car considering the vehicle’s history.

The fair market price is often referred to as fair market value. Watch this video to get a better understanding of how fair market value works.

The MSRP is the value of the car. Car insurance providers will cover the value of the car if it should be damaged in an accident. However, your coverage limits have to be enough to cover the cost. In most states, the minimum coverage for car insurance can cover the cost of a Kia Optima.

Speaking of cost, how much are Kia Optima repairs. According to Repair Pal, Kia Optima repairs cost $471/yr. That includes oil changes and other maintenance repairs.

How does vehicle thefts affect Kia Optima car insurance rates?

The Kia Optima may not be on the National Crime Insurance Bureau’s (NCIB) top 10 most stolen vehicle list, but it has made the top 10 list in New Mexico. The 2015 Kia Optima ranks as number six on the most stolen vehicles in New Mexico, according to the NCIB.

Theft rates can increase comprehensive coverage rates. Comprehensive coverage pays for damage due to vehicle theft. If your car insurance provider thinks you’re more at risk to have your vehicle stolen, your overall car insurance cost will be more expensive.

You’ve probably noticed this if you’ve moved recently. Car insurance rates can increase or decrease depending on where you live. Urban and suburban areas (ZIP codes) have higher chances of vehicle theft, so car insurance companies will issue higher rates to offset the possibility that your car can be stolen.

Rural areas have a lower chance of vehicle theft due to the fewer people in the area and the lack of vehicle theft reports.

If you want to know how to get cheap car insurance in your local area, enter your ZIP code in the free comparison tool below.

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Kia Optima Car Insurance Claims and Losses

You get a Kia Optima in June and have it insured under a six-month or 12-month car insurance policy, but you noticed that your car insurance rates have increased by January. Why did that happen?

The number of claims during the year can affect your car insurance rates. You can have zero claims, but the claims of other drivers can create a number of losses for your car insurance provider.

The Insurance Institute of Highway Safety (IIHS), reports the claims and losses for car insurance companies by vehicle class and size. We’ll explore that in this section.

What are the loss statistics for bodily injury and property damage liability car insurance claims for a Kia Optima?

Bodily injury and property damage claims happen more than expect them to. This one of the reasons why liability car insurance is important. The data table below shows the claim frequency of midsize sedans.

Bodily Injury and Property Damage Car Insurance Loss Rates of Midsize 4-Door Sedans
Vehicle Make and ModelBodily Injury Loss PercentageProperty Damage Loss Percentage
Subaru Legacy 4WD with EyeSight-49%-36%
Honda Accord-32%-40%
Toyota Camry-28%-39%
Subaru Legacy 4WD-12%-16%
Volkswagen Passat-7%-12%
Ford Fusion 4WD-4%-9%
Mazda 6-4%-1%
Nissan Maxima4%-6%
Ford Fusion plug-in hybrid14%7%
Ford Fusion25%13%
Chevrolet Malibu28%1%
Ford Fusion hybrid31%13%
Hyundai Sonata34%14%
Kia Optima34%9%
Hyundai Sonata hybrid40%26%
Volkswagen Jetta41%26%
Nissan Altima42%16%
Chevrolet Malibu hybrid--11%
Honda Accord hybrid--57%
Honda Clarity PHEV 4dr--42%
Hyundai Sonata plug-in hybrid-2%
Kia Optima hybrid-32%
Kia Optima plug-in hybrid--
Toyota Camry hybrid--41%
Toyota Mirai fuel cell--37%
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Property damage claim frequency was nine percent for 2016-2018 Kia Optimas, but the bodily injury claim frequency was 34 percent, which means Kia Optimas had a claim frequency substantially worse than the average for midsize cars.

What are the loss statistics for comprehensive and collision car insurance claims for a Kia Optima?

We talked about how vehicle thefts increase comprehensive rates. When there are higher than average vehicle thefts being reported to claims, car insurance rates increase. Expect the same if drivers get into more accidents within a year. Let’s see the Kia Optima’s comprehensive and collision claim frequency.

Comprehensive and Collision Car Insurance Loss Rates of Midsize 4-Door Sedans
Vehicle Make and ModelComprehensive Loss PercentageCollision Loss Percentage
Volkswagen Jetta-19%13%
Ford Fusion-9%5%
Volkswagen Passat-9%-9%
Subaru Legacy 4WD-8%-24%
Ford Fusion plug-in hybrid-7%16%
Kia Optima hybrid-7%45%
Mazda 6-7%-5%
Ford Fusion hybrid-5%18%
Hyundai Sonata-5%23%
Kia Optima-4%15%
Chevrolet Malibu hybrid1%20%
Ford Fusion 4WD1%5%
Hyundai Sonata plug-in hybrid3%27%
Subaru Legacy 4WD with EyeSight5%-30%
Chevrolet Malibu7%15%
Hyundai Sonata hybrid17%40%
Nissan Altima20%36%
Honda Accord hybrid24%-3%
Kia Optima plug-in hybrid35%39%
Toyota Camry35%14%
Toyota Camry hybrid48%32%
Honda Clarity PHEV 4dr49%35%
Honda Accord51%4%
Toyota Mirai fuel cell56%19%
Nissan Maxima59%41%
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Both comprehensive and collision had a claim frequency that was about average. However, the Kia Optima Hybrid had claim frequencies that substantially worse than average.

What are the loss statistics for PIP and MedPay for a Kia Optima?

PIP and Med Pay are two additional liabilities that are not required in all states, but they may be available. Watch this video on the differences between PIP and Med Pay.

Usually, a high bodily injury claim frequency is a sign that PIP and Med Pay also have a higher than average claim frequency. Let’s examine the Kia Optima’s PIP and Med Pay claim frequency.

Personal Injury and Medical Payments Car Insurance Loss Rates of Midsize 4-Door Sedans
Vehicle Make and ModelPersonal Injury Loss PercentageMedical Payment Loss Percentage
Subaru Legacy 4WD with EyeSight-27%-28%
Subaru Legacy 4WD-19%-9%
Chevrolet Malibu hybrid-8%-
Ford Fusion 4WD-4%-7%
Mazda 60%1%
Ford Fusion plug-in hybrid6%5%
Toyota Camry hybrid8%17%
Ford Fusion hybrid11%2%
Volkswagen Passat12%14%
Volkswagen Jetta24%33%
Ford Fusion26%35%
Honda Accord29%9%
Hyundai Sonata hybrid31%49%
Toyota Camry32%30%
Nissan Maxima42%40%
Chevrolet Malibu43%62%
Kia Optima46%62%
Hyundai Sonata57%65%
Nissan Altima85%94%
Honda Accord hybrid--
Honda Clarity PHEV 4dr--
Hyundai Sonata plug-in hybrid--
Kia Optima hybrid--
Kia Optima plug-in hybrid--
Toyota Mirai fuel cell--
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Not only is PIP and Med Pay have a claim frequency substantially worse than average, but the claim frequency is also worse than bodily injury. The other two Kia Optima trims don’t have a claim frequency, but a few other vehicle models share the same worse than average claim frequency.

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Kia Optima Safety Ratings

The Kia Optima is one of the top-rated midsize cars according to the National Highway of Traffic Safety Association (NHTSA) and IIHS. The IIHS lists the Kia Optima as 2019 Top Picks Plus. First, let’s look at NHTSA’s star ratings in the data table.

NHTSA Kia Optima Star Safety Ratings
NHTSA Safety CriteriaNHTSA Safety Ratings
Overall Front5 out of 5
Overall Side5 out of 5
Overall Side Pole5 out of 5
Rollover5 out of 5
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The NHTSA rated the Kia Optima has five out of five stars overall. This is the best rating a vehicle can get under its rating system.

The IIHS has a different rating system. The ratings are as follows: “G” for Good, “A” for acceptable, “M” for marginal, and “P” for Poor. Let’s see Kia Optima’s crashworthiness ratings.

IIHS Kia Optima Crashworthiness Ratings
Crashworthiness CriteriaIIHS Ratings
Small overlap front: driver-sideG
Small overlap front: passenger-sideG
Moderate overlap frontG
SideG
Roof strengthG
Head restraints & seatsG
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The Kia Optima has a perfect score overall and has earned a spot as IIHS’s top vehicles.

What is the size and class of a Kia Optima?

NHTSA and IIHS call the Kia Optima a midsize car. The size of your car can determine how safe it is on the roadway. Before we get into more detail on the Kia Optima, let’s cover the deaths per million registered vehicles under the same vehicle class as the Kia Optima.

Driver Deaths per Million Registered Cars
Car SizeRegistered CarsFatalitiesFatalities per Million
Registered Passenger Cars
Mini1,051,2758884
Small7,965,42242754
Mid-sized9,736,59039641
Large2,282,52412253
Very large1,787,3404726
All cars22,823,1511,08848
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Drivers of midsize cars are the most affected by fatal accidents but are affected less per million registered vehicles despite having the highest number of registered vehicles.

Next, let’s look at fatal accidents by point of impact. This will show us the type of crash that causes the most fatalities per million registered vehicles.

Car Occupants Death by Point of Initial Impact
Point of Initial ImpactCar Occupants (#)Car Occupants Death Rate
per Million Registered Cars (%)
Frontal7,43357
Side3,56827
Rear8346
Other (mostly rollover)1,30310
All13,138100
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Frontal crashes cause the most fatalities by number and per million registered vehicles. Rear point of impact crashes has the least fatal accident numbers and fatal accident percent.

Finally, let’s compare driver and occupant deaths per million registered vehicles under the car class. We’ve included an 11-year trend to show you how the death rate changes each year.

IIHS Car Deaths Per Million Registered Cars: 10-Year Trend
YearCars (Drivers)Cars (Occupants)
20086592
20095682
20104971
20114362
20124261
20134158
20143753
20154262
20164463
20174666
20184869
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The deadliest year for drivers and occupants was 2008, and the least deadly year was 2014. By 2015, deaths per million registered vehicles started to increase.

How does the safety of the Kia Optima compare to other vehicles?

We know the Kia Optima is a midsize car by the different reviews we’ve seen, but we can determine the size of the car by using a guide.

The curb weight for the Kia Optima is 3,230 to 3,558 lbs. The dimensions for the Kia Optima are 191″ L x 73″ W x 58″ H (15.92 feet in length, 6.08 feet in width, 4.83 feet in height).

IIHS Guide to Car Size Groups
Curb Weight70-80 sq. ft. Overall Length x Width81-90 sq. ft. Overall Length x Width91-100 sq. ft. Overall Length x Width101-110 sq. ft. Overall Length x Width>110 sq. ft. Overall Length x Width
2,001-2,500 lbsMiniSmallSmallSmallMidsize
2,501-3,000 lbsSmallSmallMidsizeMidsizeMidsize
3,001-3,500 lbsSmallMidsizeMidsizeLargeLarge
3,501-4,000 lbsSmallMidsizeLargeLargeVery large
>4,000 lbsMidsizeMidsizeLargeVery largeVery large
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Height is not included in the square footage of the vehicle but length and width are included. Based on the Kia Optima’s curb weight and square feet, it fits directly in the center of the data table.

Vehicle size is important because it determines if your vehicle is more vulnerable in an accident. Smaller and lighter vehicles are affected by accidents more because heavier vehicles tend to endure less force than smaller vehicles.

This is one of the reasons why midsize cars are the most affected. More people own midsize cars, therefore, the number of fatal accidents is higher than other vehicle sizes.

That’s why the Kia Optima collision and liability rates increase based on model year. On one end, new Kia Optimas have increased car insurance rates because of their values, while older Kia Optimas have higher car insurance because of safety.

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The Kia Optima’s car insurance rates can be cheap, but it depends on factors that determine car insurance. You won’t exactly how much you’ll pay until you go through a car insurance quote. You can get cheaper rates if you’re eligible for discounts, which are usually applied after you’ve completed the quote process.

Frequently Asked Questions: Kia Optima Cheap Car Insurance

The final section of this vehicle guide will go over frequently asked questions you see on search engines on the internet. If you want more information about our other articles, guides, and reviews, explore our website for more details.

#1 – What are the cheapest cars to insure?

Cheap car insurance depends on factors that determine car insurance. SUVs and Trucks tend to have high cash values, but less than average car insurance because they’re less likely to be damaged in an accident. However, mini and small cars have cheap car insurance because of their value.

#2 – What cars are the most expensive to insure?

Luxury cars have more expensive because they have higher values and expensive car parts.

#3 – How much is car insurance on a Kia Stinger?

Is Kia Optima insurance high compared to the Kia Stinger? Kia Stinger car insurance costs $1,588/yr, while Kia Optima car insurance costs $1,430/yr?

#4 – Why are Kia vehicles so expensive to insure?

Kia vehicles are very popular vehicles. Most of the vehicles insured are mini to midsize vehicles, which are vehicles that are more affected during accidents. So, car insurance companies issue higher than average rates because of the risk.

#5 – What car is the cheapest to insure for a 17-year-old driver?

The cheapest car to insure for a young driver is a compact car like the Kia Forte. It’s good on gas mileage and has an affordable price. Kia Forte insurance costs $1,352/yr.

How can I make my insurance cheaper?

Cheaper car insurance depends on several factors such as driving record and credit history. Sometimes you can get cheaper insurance Geico quotes, Progressive quotes, or other companies depending on the information you give an agent.

#6 – Is a MINI Cooper a girl car?

No. MINI Coopers are designed for individuals who want to save money on car insurance and gas mileage.

#7 – Is a Camry expensive to insure?

That would depend on the car insurance company insuring your Camry and several factors that determine car insurance.

#8 – Why are Honda Accords so expensive to insure?

Honda Accord insurance costs around $1,800/yr, which is about $150/mo. The could be expensive if you’re a high-risk driver, such as a teen driver. Honda Accords are sporty cars and some of them are 2-door coupes, which could increase the car insurance rates.

If you want to know how much Kia Optima car insurance is in your local area, enter your ZIP code in the free comparison tool below to start comparing car insurance rates from different companies.

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