KIA OPTIMA 2011 Car Insurance

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The 2011 Kia Optima is a midsize sedan with stylish looks and strong value for money. Designed for families and commuters, it offers a spacious cabin and reliability valued in the used-car market.

KIA OPTIMA 2011 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the 2011 Kia Optima generally decrease, moving from $1091 to $741, despite a slight uptick between 2023 and 2025. This decline reflects the vehicle's depreciation and increasing age.

To find the best insurance for your KIA OPTIMA 2011 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your KIA OPTIMA 2011

How much does insurance for your KIA OPTIMA 2011 cost in Quebec?

Premiums are highest in Montreal ($1410), Repentigny ($1346), and Quebec City ($1277), while Gatineau ($711) and Terrebonne ($763) show the lowest amounts for the 2011 Kia Optima.

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
GATINEAU	$710.68
MONTRÉAL	$1410.28
QUÉBEC	$1277.26
REPENTIGNY	$1345.66
TERREBONNE	$763
TROIS-RIVIÈRES	$866.13

Frequently asked questions (FAQ)

How much does auto insurance cost for a 2011 Kia Optima?

The average premium for a 2011 Kia Optima ranged between $741 and $1091 depending on the year, standing at $899 in 2025 and $741 in 2026.

Has the premium for the 2011 Kia Optima changed much over the years?

Yes. It dropped from $1091 in 2021 to $741 in 2026, with a slight uptick between 2023 and 2025, mainly reflecting the vehicle's depreciation.

Which city offers the lowest insurance cost for a 2011 Kia Optima?

Based on the data provided, Gatineau ($711) and Terrebonne ($763) 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 vehicle driven on public roads.

Why does the premium vary so much between Montreal and Gatineau?

Urban density, traffic volume, and claim frequency explain the gap between Montreal ($1410) and Gatineau ($711) for the same model.

Does an older vehicle like the 2011 Optima cost less to insure?

Generally yes, since replacement value decreases with age, partly explaining the drop from $1091 to $741 between 2021 and 2026.

HYUNDAI
SONATA

TOYOTA
CAMRY

HONDA
ACCORD

NISSAN
ALTIMA

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: 08/14/2026

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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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