KIA Optima Insurance Cost

Auto insurance for a KIA Optima will cost about $1,718 per year.

This beats the national average for popular sedan models by $349. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a KIA Optima.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

KIA Optima insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

KIA Optima Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,818 $8,666 $10,244
18 $5,422 $8,076 $9,547
19 $4,792 $7,137 $8,437
20 $4,178 $6,223 $7,356
21 $3,504 $5,219 $6,169
22 $3,412 $5,083 $6,008
23 $2,986 $4,447 $5,257
24 $2,836 $4,225 $4,994
25 $2,448 $3,646 $4,310
30 $1,907 $2,840 $3,358
35 $1,786 $2,660 $3,145
40 $1,718 $2,558 $3,024
45 $1,671 $2,490 $2,943
55 $1,533 $2,283 $2,699
65 $1,599 $2,382 $2,815
75 $2,018 $3,006 $3,553

KIA Optima car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect KIA Optima by state.

KIA Optima Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $1,820 $2,549 $3,191
Alaska $1,505 $2,192 $2,297
Arizona $1,702 $2,640 $3,764
Arkansas $1,866 $2,826 $3,162
California $2,077 $3,633 $2,077
Colorado $1,939 $2,684 $3,348
Connecticut $2,477 $3,829 $4,905
Delaware $2,050 $2,823 $3,748
Florida $2,441 $3,316 $4,323
Georgia $1,990 $3,068 $3,148
Hawaii $795 $1,097 $795
Idaho $1,381 $1,859 $2,314
Illinois $1,446 $2,137 $2,478
Indiana $1,485 $2,321 $2,709
Iowa $1,177 $1,765 $2,057
Kansas $1,565 $2,304 $2,730
Kentucky $2,263 $3,404 $4,003
Louisiana $2,905 $4,439 $4,780
Maine $1,098 $1,473 $2,150
Maryland $1,778 $2,606 $3,078
Massachusetts $1,425 $2,411 $1,425
Michigan $3,440 $5,171 $7,951
Minnesota $1,416 $1,902 $2,816
Mississippi $1,709 $2,582 $2,727
Missouri $1,611 $2,218 $2,869
Montana $1,638 $2,562 $2,826
Nebraska $1,384 $1,960 $2,229
Nevada $2,283 $3,446 $3,781
New Hampshire $1,588 $2,560 $3,260
New Jersey $1,750 $2,759 $3,559
New Mexico $1,787 $2,571 $2,888
New York $1,655 $2,156 $3,479
North Carolina $1,026 $1,657 $1,277
North Dakota $1,404 $2,161 $2,744
Ohio $1,252 $2,048 $2,121
Oklahoma $1,999 $3,002 $3,405
Oregon $1,819 $2,748 $3,152
Pennsylvania $1,532 $2,317 $2,660
Rhode Island $2,559 $3,926 $4,490
South Carolina $1,738 $2,515 $3,588
South Dakota $1,559 $2,145 $2,573
Tennessee $1,833 $2,742 $3,460
Texas $1,846 $2,718 $3,411
Utah $1,571 $2,271 $3,132
Vermont $1,209 $1,933 $2,113
Virginia $1,139 $1,715 $1,822
Washington $1,508 $2,265 $2,671
West Virginia $1,517 $2,209 $2,728
Wisconsin $1,512 $2,208 $2,681
Wyoming $1,412 $2,075 $2,320

Other KIA Optima Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major KIA Optima costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: