Kia Optima Car Insurance Calculator

Understand how choices you make impact the cost of insurance for a Kia Optima. Tailor settings like gender of the driver, whether you're married or single, and the state and city you live in to see how rates are impacted. Instantly discover if insurance rates get cheaper or more expensive.

The average estimated car insurance premium for a 2020 Kia Optima is $2,144 per year, or about $179 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,144

Cost Per Month

$179

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Kia Optima Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Kia Optima.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,144
Average Rate
Your Rate
$2,144

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Kia Optima.

The 'Average Rate' is a combined value for all Kia Optima trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2020 Kia Optima is $2,144.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2020 Kia Optima vs. the Midsize Car Segment

The table below compares insurance rates for the 2020 Kia Optima against all other models in the midsize car segment. The Kia Optima is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Kia Optima, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Kia Optima.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2020 Kia Optima Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Buick Regal$1,876-$268
2Honda Insight$1,890-$254
3Mazda 6$1,908-$236
4Chevrolet Malibu$1,938-$206
5Toyota Camry$2,050-$94
6Subaru Legacy$2,062-$82
7Volkswagen Passat$2,070-$74
8Honda Accord$2,076-$68
9Nissan Altima$2,082-$62
2020 Midsize Car Average$2,101-$43
10Kia Optima$2,144--
11Ford Fusion$2,202$58
12Volkswagen Arteon$2,242$98
13Tesla Model 3$2,288$144
14Hyundai Sonata$2,334$190
15Kia Stinger$2,354$210

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2020 Optima Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 Kia Optima.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2020 Kia Optima Insurance Rates by Trim Level
2020 Kia Optima Trim Level Annual Premium Cost Per Month
EX Hybrid Sedan$2,042$170
LX Sedan$2,042$170
S Sedan$2,104$175
EX Sedan$2,166$181
SX Sedan$2,228$186
EX Plug-in Hybrid Sedan$2,272$189

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2020 Kia Optima for different driver ages.

2020 Kia Optima Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,770$648
17$7,483$624
18$6,626$552
19$6,063$505
20$4,623$385
21$4,407$367
22$3,933$328
23$3,257$271
24$3,069$256
25$2,488$207
30$2,280$190
35$2,204$184
40$2,144$179
45$2,012$168
50$1,910$159
55$1,778$148
60$1,782$149
65$1,904$159
70$2,070$173
75$2,458$205
80$3,034$253

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Kia Optima trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Kia Optima.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Kia Optima Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2020 Kia Optima$2,144$179
2019 Kia Optima$1,910$159
2018 Kia Optima$1,934$161
2017 Kia Optima$1,924$160
2016 Kia Optima$1,774$148
2015 Kia Optima$1,806$151
2014 Kia Optima$1,678$140
2013 Kia Optima$1,514$126

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Kia Optima trim levels for each model year.