Auto Insurance Quotes & Facts Regarding The Kia Optima
- The average monthly payment to insure the Kia Optima is $66 a month for standard coverage and $29 a month for minimum coverage.
- The lowest price of insurance is offered by: State Farm
- The Kia Optima that has the lowest monthly premium to insure is the: 2003 Kia Optima with an average standard coverage insurance price of $51 a month.
- The Kia Optima that costs the most to insure is the: 2020 Kia Optima with an average standard coverage insurance price of $89 a month.
How Much Does Car Insurance Cost For Your Kia Optima?
What year is your Kia Optima?
2020 Kia Optima
Average Annual Cost (Standard)
$1,063
Average Annual Cost (Minimum)
$353
Trims Available
EX, Hybrid EX, LX, Plug IN Hybrid EX, S, SX
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | State Farm | $262 | $793 |
| 2 | GEICO | $273 | $773 |
| 3 | Erie | $307 | $981 |
| 4 | Progressive | $391 | $989 |
| 5 | Allstate | $530 | $1,780 |
2019 Kia Optima
Average Annual Cost (Standard)
$1,012
Average Annual Cost (Minimum)
$337
Trims Available
EX, Hybrid, LX, Plug-in Hybrid, S, SX, SXL
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | GEICO | $252 | $695 |
| 2 | Erie | $258 | $830 |
| 3 | State Farm | $281 | $810 |
| 4 | Progressive | $363 | $1,038 |
| 5 | Allstate | $530 | $1,685 |
2018 Kia Optima
Average Annual Cost (Standard)
$999
Average Annual Cost (Minimum)
$359
Trims Available
EX, Hybrid, LX, Plug-in Hybrid, S, SX, SXL
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | State Farm | $272 | $758 |
| 2 | GEICO | $279 | $744 |
| 3 | Erie | $307 | $927 |
| 4 | Progressive | $409 | $959 |
| 5 | Allstate | $530 | $1,606 |
2017 Kia Optima
Average Annual Cost (Standard)
$1,015
Average Annual Cost (Minimum)
$361
Trims Available
EX, Hybrid, LX, Plug-in Hybrid, SX, SXL
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | State Farm | $275 | $744 |
| 2 | GEICO | $279 | $721 |
| 3 | Erie | $307 | $904 |
| 4 | Progressive | $416 | $956 |
| 5 | Allstate | $530 | $1,750 |
2016 Kia Optima
Average Annual Cost (Standard)
$911
Average Annual Cost (Minimum)
$354
Trims Available
EX, Hybrid, LX, SX, SXL
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | GEICO | $279 | $669 |
| 2 | State Farm | $289 | $698 |
| 3 | Erie | $293 | $815 |
| 4 | Progressive | $380 | $972 |
| 5 | Allstate | $530 | $1,402 |
2015 Kia Optima
Average Annual Cost (Standard)
$865
Average Annual Cost (Minimum)
$345
Trims Available
EX, Hybrid, LX, SX
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | Erie | $224 | $725 |
| 2 | State Farm | $289 | $669 |
| 3 | GEICO | $303 | $679 |
| 4 | Progressive | $378 | $910 |
| 5 | Allstate | $530 | $1,342 |
2014 Kia Optima
Average Annual Cost (Standard)
$842
Average Annual Cost (Minimum)
$345
Trims Available
EX, Hybrid, LX, SX
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | Erie | $224 | $704 |
| 2 | State Farm | $289 | $665 |
| 3 | GEICO | $303 | $662 |
| 4 | Progressive | $381 | $890 |
| 5 | Allstate | $530 | $1,288 |
2013 Kia Optima
Average Annual Cost (Standard)
$796
Average Annual Cost (Minimum)
$337
Trims Available
EX, Hybrid, LX, SX
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | Erie | $224 | $687 |
| 2 | State Farm | $272 | $620 |
| 3 | GEICO | $303 | $645 |
| 4 | Progressive | $365 | $801 |
| 5 | Allstate | $521 | $1,228 |
2012 Kia Optima
Average Annual Cost (Standard)
$800
Average Annual Cost (Minimum)
$345
Trims Available
EX, Hybrid, LX, SX
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | Erie | $224 | $725 |
| 2 | State Farm | $267 | $629 |
| 3 | GEICO | $303 | $655 |
| 4 | Progressive | $399 | $756 |
| 5 | Allstate | $530 | $1,237 |
2011 Kia Optima
Average Annual Cost (Standard)
$828
Average Annual Cost (Minimum)
$362
Trims Available
EX, Hybrid, LX, SX
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | State Farm | $262 | $618 |
| 2 | GEICO | $303 | $643 |
| 3 | Erie | $303 | $802 |
| 4 | Progressive | $410 | $750 |
| 5 | Allstate | $530 | $1,328 |
2010 Kia Optima
Average Annual Cost (Standard)
$777
Average Annual Cost (Minimum)
$358
Trims Available
EX, LX, SX
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | Erie | $269 | $690 |
| 2 | State Farm | $270 | $536 |
| 3 | GEICO | $303 | $814 |
| 4 | Progressive | $417 | $739 |
| 5 | Allstate | $530 | $1,106 |
2009 Kia Optima
Average Annual Cost (Standard)
$722
Average Annual Cost (Minimum)
$355
Trims Available
EX, LX
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | State Farm | $251 | $535 |
| 2 | Erie | $269 | $673 |
| 3 | GEICO | $303 | $551 |
| 4 | Progressive | $420 | $718 |
| 5 | Allstate | $530 | $1,133 |
2008 Kia Optima
Average Annual Cost (Standard)
$700
Average Annual Cost (Minimum)
$349
Trims Available
EX, LX
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | State Farm | $256 | $541 |
| 2 | Erie | $274 | $664 |
| 3 | GEICO | $303 | $542 |
| 4 | Progressive | $381 | $660 |
| 5 | Allstate | $530 | $1,095 |
2007 Kia Optima
Average Annual Cost (Standard)
$699
Average Annual Cost (Minimum)
$351
Trims Available
EX, LX
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | State Farm | $248 | $547 |
| 2 | Erie | $283 | $658 |
| 3 | GEICO | $303 | $513 |
| 4 | Progressive | $391 | $668 |
| 5 | Allstate | $531 | $1,110 |
2006 Kia Optima
Average Annual Cost (Standard)
$665
Average Annual Cost (Minimum)
$346
Trims Available
EX, LX
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | State Farm | $237 | $502 |
| 2 | Erie | $283 | $610 |
| 3 | GEICO | $303 | $504 |
| 4 | Progressive | $376 | $615 |
| 5 | Allstate | $530 | $1,092 |
2005 Kia Optima
Average Annual Cost (Standard)
$655
Average Annual Cost (Minimum)
$341
Trims Available
EX, LX
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | State Farm | $215 | $460 |
| 2 | Erie | $284 | $634 |
| 3 | GEICO | $303 | $507 |
| 4 | Progressive | $375 | $585 |
| 5 | Allstate | $529 | $1,088 |
2004 Kia Optima
Average Annual Cost (Standard)
$644
Average Annual Cost (Minimum)
$338
Trims Available
EX, LX
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | State Farm | $215 | $476 |
| 2 | Erie | $285 | $610 |
| 3 | GEICO | $303 | $493 |
| 4 | Progressive | $365 | $555 |
| 5 | Allstate | $521 | $1,085 |
2003 Kia Optima
Average Annual Cost (Standard)
$616
Average Annual Cost (Minimum)
$330
Trims Available
LX, SE
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | State Farm | $196 | $427 |
| 2 | Erie | $285 | $595 |
| 3 | GEICO | $292 | $485 |
| 4 | Progressive | $357 | $530 |
| 5 | Allstate | $518 | $1,041 |
2002 Kia Optima
Average Annual Cost (Standard)
$628
Average Annual Cost (Minimum)
$340
Trims Available
LX, Magentis, SE
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | State Farm | $201 | $428 |
| 2 | GEICO | $292 | $485 |
| 3 | Erie | $310 | $614 |
| 4 | Progressive | $347 | $516 |
| 5 | Allstate | $550 | $1,097 |
2001 Kia Optima
Average Annual Cost (Standard)
$624
Average Annual Cost (Minimum)
$329
Trims Available
LX, Magentis, SE
| Rank | Company | Avg. Annual Rate (Minimum) |
Avg. Annual Rate (Standard) |
|---|---|---|---|
| 1 | State Farm | $198 | $445 |
| 2 | GEICO | $293 | $481 |
| 3 | Progressive | $294 | $446 |
| 4 | Erie | $312 | $617 |
| 5 | Allstate | $548 | $1,130 |
Methodology
The insurance rates presented on this page are based on extensive research done by Quadrant Information Services and that refer to rates offered by major carriers to a 40 year old male driver from Ohio, with good credit and a clean driving record with these standard coverage limits:
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $50,000 uninsured motorist bodily injury per person
- $100,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
The minimum coverage rates presented on this page are based on the same driver as above seeking these minimum coverage limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
These are sample rates and should be used for comparative purposes only. Depending on your personal information, your quotes may be different.