2018 Kia Optima Car Insurance Calculator

See in real-time how changes to different risk factors impact the cost of car insurance for a 2018 Kia Optima. Customize choices like annual miles driven, vehicle usage, and gender of the driver to see how your rate changes. Know immediately the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2018 Kia Optima is $1,934 per year, or about $161 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

$1,934

Cost Per Month

$161

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 2018 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.

$1,934
Average Rate
Your Rate
$1,934

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.

The 'Average Rate' is a combined value for all 2018 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 2018 Kia Optima is $1,934.

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.

2018 Kia Optima vs. the Midsize Car Segment

The table below compares insurance rates for the 2018 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.

2018 Kia Optima Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda 6$1,692-$242
2Buick Cascada$1,694-$240
3Subaru Legacy$1,782-$152
4Buick Regal$1,792-$142
5Toyota Camry$1,850-$84
6Buick LaCrosse$1,870-$64
7Chevrolet Malibu$1,872-$62
8Volkswagen Passat$1,898-$36
9Honda Accord$1,900-$34
2018 Midsize Car Average$1,901-$33
10Kia Optima$1,934--
11Hyundai Sonata$1,986$52
12Nissan Altima$1,996$62
13Ford Fusion$2,006$72
14Tesla Model 3$2,082$148
15Kia Stinger$2,156$222

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.

2018 Optima Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Kia Optima Insurance Rates by Trim Level
2018 Kia Optima Trim Level Annual Premium Cost Per Month
LX Sedan$1,748$146
S Sedan$1,748$146
S Sedan Turbo$1,748$146
SXL Sedan Turbo$1,748$146
EX Sedan$1,804$150
LX Sedan Turbo$1,804$150
SX Sedan Turbo$1,916$160
Hybrid Premium Sedan$2,188$182
Hybrid EX Sedan$2,300$192
Hybrid Plug-in EX Sedan$2,356$196

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 2018 Kia Optima for different driver ages.

2018 Kia Optima Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,081$590
17$6,790$566
18$5,955$496
19$5,476$456
20$4,162$347
21$3,969$331
22$3,532$294
23$2,947$246
24$2,764$230
25$2,238$187
30$2,050$171
35$1,992$166
40$1,934$161
45$1,822$152
50$1,730$144
55$1,612$134
60$1,616$135
65$1,720$143
70$1,886$157
75$2,254$188
80$2,778$232

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.