Honda Accord vs. Kia K5 (Optima) Insurance Cost

• A 2023 Kia K5 is cheaper to insure than a 2023 Honda Accord by an average of $86 per year, $1,864 compared to $1,778.
• For a 2023 Honda Accord, car insurance rates range from $1,728 to $2,024 per year, while insurance for a 2023 Kia K5 ranges from $1,704 to $1,854.
• Out of 11 models in the 2023 midsize car segment, the Honda Accord ranks fifth and the Kia K5 ranks third for cheapest car insurance cost.
• If the cheapest car insurance rates are your top consideration, the Hybrid and LX trims are the cheapest Honda Accord models to insure, while the LXS and GT-Line trims are the cheapest Kia K5 models to insure.

Does a Honda Accord or Kia K5 have cheaper insurance?

Insurance cost for a 2023 Honda Accord averages $1,864 per year, while insurance for a Kia K5 averages $1,778 per year, making the Kia K5 the cheaper of the two models to insure.

For the nine trim levels available for the 2023 Honda Accord, the cheapest model to insure is the Hybrid trim at an average cost of $1,728 per year. The 2023 Kia K5 has five trim levels available, with the cheapest trim level to insure being the LXS trim at an average cost of $1,704 per year, or about $142 per month.

When all 14 trims of both models are combined and compared, the cheapest model and trim level to insure is the Kia K5 LXS at an average cost of $1,704 per year. The highest-cost model and trim is the Honda Accord Touring costing $2,024 per year.

The rate table below compares and ranks the annual and monthly cost of car insurance for 2023 Honda Accord and Kia K5 models, broken down by trim level.

The chart shown below displays the average cost to insure both models for drivers aged 20 to 50. For a 2023 Honda Accord, average car insurance cost ranges from $1,652 to $3,782 per year for the included age groups. A 2023 Kia K5 costs from $1,578 to $3,584 to insure per year.

The tables shown below display both 2023 models and all trim levels available for each one, including an overall average cost for each model. The 2023 Kia K5 wins the head-to-head comparison over the 2023 Honda Accord for cheapest car insurance cost.

2022 Honda Accord vs. Kia K5

When comparing 2022 Honda Accord and Kia K5 midsize models, the sedan with the cheapest car insurance rates is the Kia K5. Insurance rates for the Accord average $1,806 per year, while insurance for a Kia K5 averages $1,704 per year.

Within each model, however, insurance rates vary greatly depending on the trim level of the vehicle being insured. For a 2022 Honda Accord, average insurance rates range from $1,656 per year for the Hybrid model up to $1,992 for the Touring model. For a 2022 Kia K5, rates range from $1,614 per year for the LX model up to $1,794 for the most expensive to insure GT model.

When comparing car insurance rates for both models by trim level, the cheapest model and trim level is the Kia K5 LX at an average of $1,614 per year. The highest-cost model and trim is the Honda Accord Touring at an average cost of $1,992 per year.

For a 2022 Honda Accord, the cheapest models are the Hybrid, Hybrid EX-L, and LX. The cheapest Kia K5 models include the LX, LXS, and GT-Line. From a cost-per-month standpoint, average insurance rates for all 2022 Honda Accord and Kia K5 models range from $135 to $166 per month.

The table below compares annual and monthly car insurance cost for a 2022 Honda Accord and Kia K5. Rates for both models are combined and sorted from lowest to highest cost to allow for easy comparison of cost for individual models.

The chart below shows the average cost to insure the two models for the 20 to 50-year-old driver age groups. Average car insurance cost ranges from $1,602 to $3,676 per year for a 2022 Honda Accord, and $1,514 to $3,436 for a 2022 Kia K5 for these driver ages.

The 2022 Honda Accord has nine trims available, with the cheapest trim level to insure being the Hybrid model at an average cost of $1,656 per year, or around $138 per month. The 2022 Kia K5 has seven trim levels available, with the cheapest trim level to insure being the LX model at an average cost of $1,614 per year.

When rates are compared for the 16 trim levels of both 2022 models, the lowest-cost model and trim to insure is the Kia K5 LX at an average of $1,614 per year. The highest-cost model and trim level is the Honda Accord Touring at an average cost of $1,992 per year.

The next two tables show average car insurance rates for every trim level for both 2022 models, along with the average rate for each model.

2021 Honda Accord vs. Kia K5

For 2021 Honda Accord and Kia K5 models, the Honda Accord is cheaper to insure by an average of $34 per year.

The chart below visualizes the average cost to insure the two models for a range of driver ages. The average car insurance cost ranges from $1,536 to $3,516 per year for a 2021 Honda Accord, and $1,574 to $3,554 for a 2021 Kia K5 for the included age groups.

Out of nine Honda Accord trim levels, the cheapest 2021 model to insure is the LX Sedan trim at an average cost of $1,538 per year. The 2021 Kia K5 has five trim levels available, with the cheapest model to insure being the LX Sedan trim at an average cost of $1,700 per year.

When comparing rates by trim level for both models, the cheapest trim to insure is the Honda Accord LX Sedan at a cost of $1,538 per year, and the most expensive trim is the Honda Accord Hybrid Touring Sedan costing $1,868 per year.

The next tables illustrate trim level insurance cost averages for both 2021 models, including an overall average rate. The 2021 Honda Accord comes out on top over the 2021 Kia K5 for cheapest auto insurance rates.

2020 Honda Accord vs. Kia Optima

Prior to the 2021 model year, the Kia K5 was named the Optima. When comparing insurance cost for 2020 models, the Honda Accord costs an average of $1,678 per year to insure and the Kia Optima costs $1,736, making the Honda Accord the winner by $58 for this model year.

The chart shown below shows the average cost to insure the two models for a range of driver ages. Average car insurance cost ranges from $1,488 to $3,408 per year for a 2020 Honda Accord, and $1,546 to $3,498 for a 2020 Kia Optima for the age groups used in the chart.

The 2020 Honda Accord has nine trims available, with the cheapest model to insure being the LX Sedan trim at an average cost of $1,490 per year, or $124 per month.

For the six trims available for the Kia Optima, the cheapest 2020 trim to insure is the LX Sedan model at a cost of $1,654.

When looking at the aggregated rates by trim for both models, the cheapest model and trim level to insure is the Honda Accord LX Sedan at a cost of $1,490 per year, and the highest-cost model and trim level is the Kia Optima EX Plug-in Hybrid Sedan at an average cost of $1,840 per year.

The next two tables display trim level insurance rates for each 2020 model, plus an average rate for each model. The model with the cheapest auto insurance rates for 2020 is the Honda Accord.

2019 Honda Accord vs. Kia Optima

When comparing car insurance rates for 2019 models, the Honda Accord costs an average of $1,614 per year to insure and the Kia K5 costs $1,546, making the Kia Optima the winner by $68 for this comparison year.

The rate chart below demonstrates the average cost to insure both models rated for a variety of different driver ages. Average insurance cost ranges from $1,434 to $3,282 per year for a 2019 Honda Accord, and $1,378 to $3,112 for a 2019 Kia Optima for the age groups used in the chart.

For the nine trim levels available for the 2019 Honda Accord, the cheapest trim level to insure is the LX Sedan model at an average cost of $1,494 per year, or about $125 per month. For the four trims available for the Kia Optima, the cheapest 2019 trim level to insure is the LX Sedan model at a cost of $1,474.

When rates for all 13 trim levels for both vehicles are compared, the cheapest vehicle to insure is the Kia Optima LX Sedan at an average cost of $1,474 per year, and the overall most expensive vehicle to insure is the Honda Accord Touring Sedan costing an average of $1,720 per year.

The rate tables below display the average cost to insure each trim level for a 2019 Honda Accord and Kia Optima, as well as the overall average rate for each model. The 2019 Kia Optima takes the win over the 2019 Honda Accord for cheapest car insurance rates.

2018 Honda Accord vs. Kia Optima

When comparing average insurance rates for the 2018 Honda Accord and Kia Optima models, the Honda Accord is cheaper by an average of $30 per year.

The next chart visualizes the average cost to insure both 2018 models with different driver age groups. For a 2018 Honda Accord, average car insurance cost ranges from $1,370 to $3,116 per year for the illustrated age groups. A 2018 Kia Optima costs from $1,402 to $3,154 to insure per year.

Out of 11 trim levels for the 2018 Honda Accord, the cheapest average insurance prices are on the LX Sedan model at a cost of $1,434 per year.

Out of the 10 trims available for the Kia Optima, the cheapest 2018 trim level to insure is the LX Sedan trim at a cost of $1,416.

When rates for all 21 trim levels for both vehicles are compared, the lowest-cost model and trim level to insure is the Kia Optima LX Sedan at an average of $1,416 per year. The highest-cost model and trim level is the Kia Optima Hybrid Plug-in EX Sedan at an average cost of $1,906 per year.

The rate tables below show trim level insurance rates for each 2018 model, including an overall average rate. The model with the cheapest overall car insurance cost for 2018 is the Honda Accord.

2017 Honda Accord vs. Kia Optima

For the 2017 Honda Accord and Kia Optima models, the Honda Accord is cheaper to insure by an average of $90 per year for this comparison year.

The next chart displays the average cost to insure the two models for the 20, 30, 40, and 50-year-old driver age groups. For a 2017 Honda Accord, insurance cost ranges from $1,310 to $2,966 per year for these driver ages. A 2017 Kia Optima costs from $1,396 to $3,132 to insure per year.

For the 20 trim levels available for the 2017 Honda Accord, the cheapest trim level to insure is the LX Sedan trim at an average cost of $1,384 per year. For the six trim levels available for the Kia Optima, the cheapest 2017 trim level to insure is the LX Sedan trim at a cost of $1,386 per year, or about $116 per month.

When trim-level rates for both models are compared, the lowest-cost model and trim level to insure is the Honda Accord LX Sedan at a cost of $1,384 per year. The highest-cost model and trim is the Kia Optima Hybrid EX Sedan at an average of $1,802 per year.

The two tables below display average car insurance cost by trim level for each 2017 model, as well as the overall average rate for each model. The model with the cheapest average car insurance rates for 2017 is the Honda Accord.

2016 Honda Accord vs. Kia Optima

When comparing average insurance cost for 2016 models, the Honda Accord costs an average of $1,412 per year to insure and the Kia Optima costs $1,438, making the Honda Accord the winner by $26 for the 2016 comparison year.

The chart shown below displays the average cost to insure both models using different driver ages. Insurance cost ranges from $1,262 to $2,832 per year for a 2016 Honda Accord, and $1,286 to $2,890 for a 2016 Kia Optima for the age groups used in this illustration.

The 2016 Honda Accord has 17 trim levels available, with the cheapest trim level to insure being the LX Sedan trim at an average cost of $1,312 per year, or $109 per month.

For the six trim levels available for the Kia Optima, the cheapest 2016 trim to insure is the LX Sedan model at a cost of $1,304.

When comparing both models at a trim-level basis, the cheapest trim to insure is the Kia Optima LX Sedan at an average cost of $1,304 per year. The most expensive trim is the Kia Optima Hybrid EX Sedan at an average of $1,590 per year.

The two tables below display average car insurance cost by trim level for each 2016 model, along with the average rate for each model.

2015 Honda Accord vs. Kia Optima

For the 2015 Honda Accord and Kia Optima models, the Honda Accord has cheaper car insurance rates by an average of $216 per year for this comparison year.

The next chart demonstrates the average cost to insure the two models with different ages of drivers. For a 2015 Honda Accord, the average car insurance cost ranges from $1,120 to $2,498 per year for the example age groups. A 2015 Kia Optima costs from $1,312 to $2,954 to insure per year.

Out of 16 Honda Accord trim levels, the cheapest 2015 trim level to insure is the LX Sedan model at an average cost of $1,130 per year.

Out of the seven trims available for the Kia Optima, the cheapest 2015 model to insure is the LX Sedan model at a cost of $1,332.

When all 23 trims of both models are combined and compared, the lowest-cost model and trim to insure is the Honda Accord LX Sedan at an average of $1,130 per year, and the highest-cost model and trim level is the Kia Optima Hybrid EX Sedan at an average cost of $1,608 per year.

The next two tables show the average insurance cost by trim level for both 2015 models, including an overall average rate. The 2015 Honda Accord comes out on top over the 2015 Kia Optima for the cheapest average car insurance rates.

Additional Honda Accord and Kia K5/Optima Resources

• Honda Accord Insurance Rates
• Kia K5 Insurance Rates
• Kia Optima Insurance Rates
• Midsize Car Insurance Rate Comparisons