KIA OPTIMA Car Insurance

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The Kia Optima is a midsize sedan with sleek styling, offering a solid balance of comfort, technology, and affordability. It appeals to drivers seeking a practical daily vehicle without sacrificing style or reliability.

KIA OPTIMA CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the Kia Optima show significant fluctuation, peaking at $3115 in 2021 before dropping sharply to $1203 in 2022. Since then, amounts have gradually stabilized, ranging between $1150 and $1522 through 2026.

To find the best insurance for your KIA OPTIMA vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your KIA OPTIMA

How much does insurance for your KIA OPTIMA cost in Quebec?

The highest premiums for the Kia Optima appear in Saint-Jérôme ($1887), Longueuil ($1875), and Montreal ($1855), while Saguenay ($299), Saint-Jean-sur-Richelieu ($738), and Terrebonne ($749) show the lowest amounts. The gap between cities is especially pronounced for this model.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
BROSSARD	$1133.72
DRUMMONDVILLE	$1117.69
GATINEAU	$1828.80
LAVAL	$1093.51
LÉVIS	$1483.18
LONGUEUIL	$1935.85
MONTRÉAL	$1902.30
QUÉBEC	$1125.38
REPENTIGNY	$1004.22
Saguenay	$298.84
SAINT-JEAN-SUR-RICHELIEU	$625.22
SAINT-JÉRÔME	$1886.93
SHERBROOKE	$925.13
TERREBONNE	$749.20
TROIS-RIVIÈRES	$1227.04

Frequently asked questions (FAQ)

How much does auto insurance cost for a Kia Optima?

The average premium for the Kia Optima has varied significantly by year, reaching $3115 in 2021 before settling between $1150 and $1522 from 2022 through 2026.

Why has the Kia Optima's premium fluctuated so much since 2021?

The sharp drop between 2021 ($3115) and 2022 ($1203) may reflect changes in available data or insured driver profiles. Since then, amounts have stabilized within a more moderate range.

Which cities offer the lowest insurance costs for a Kia Optima?

Based on the data provided, Saguenay ($299), Saint-Jean-sur-Richelieu ($738), and Terrebonne ($749) post the lowest average premiums for this model.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.

Why do Montreal and Saint-Jérôme show higher premiums for the Kia Optima?

Urban density, traffic volume, and higher claim frequency in these areas contribute to elevated premiums, reaching $1887 in Saint-Jérôme and $1855 in Montreal.

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
Last updated: 07/09/2026

Model version by year

Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

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