Find and compare cheap insurance quotes

KIA OPTIMA 2012 Car Insurance

View offers received by our clients for their KIA OPTIMA 2012 car insurance

Click here to save on your car insurance

The 2012 Kia Optima is a midsize sedan with polished styling and generous equipment for its class. It offers strong value, a spacious cabin, and appreciated reliability for used-car buyers seeking everyday comfort and versatility.

KIA OPTIMA 2012 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, the average premium for the 2012 Kia Optima fluctuates without a clear trend, ranging from $955 to $1206. It stands at $1027 in 2026, close to the $955 starting point in 2021, indicating relative stability despite year-to-year variation.

To find the best insurance for your KIA OPTIMA 2012 vehicle, it is more important than ever to compare the available options.

How much does insurance for your KIA OPTIMA 2012 cost in Quebec?

Premiums for the 2012 Kia Optima are highest in Gatineau ($1792), Montreal ($1788), and Lévis ($1693), while Saguenay ($415), Longueuil ($735), and Trois-Rivières ($783) post the lowest amounts among the provided cities. The gap between these extremes is considerable.

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 $1061.66
GATINEAU $1791.96
LAVAL $1214.58
LÉVIS $1693.48
LONGUEUIL $810.90
MONTRÉAL $1989.71
QUÉBEC $973.38
Saguenay $415.4
SAINT-JÉRÔME $1377.15
TERREBONNE $1070.38
TROIS-RIVIÈRES $783.11

Frequently asked questions (FAQ)

How much does insurance cost for a 2012 Kia Optima?
The average premium for a 2012 Kia Optima is $1027 in 2026, after fluctuating between $955 and $1206 since 2021.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.
Has the premium for the 2012 Kia Optima increased since 2021?
Not consistently. The premium fluctuated between $955 and $1206 between 2021 and 2026, with no clear upward or downward trend, ending at $1027 in 2026.
Which city offers the lowest insurance cost for a 2012 Kia Optima?
Based on the data provided, Saguenay ($415), Longueuil ($735), and Trois-Rivières ($783) show the lowest average premiums for this model.
Why does the premium vary so much between cities for this vehicle?
The gap between Gatineau ($1792) and Saguenay ($415) reflects the influence of traffic density, local claim rates, and insurer competition by region.
What factors influence the insurance premium of a 2012 Kia Optima?
Vehicle age, claims history, replacement parts costs, and driver profile are the main elements insurers consider for this model.
How can I lower my insurance premium for a 2012 Kia Optima?
Comparing quotes from several insurers, especially between cities with marked differences as seen here, remains the most effective way to secure a favorable premium.

Offers received by our customers on KIA OPTIMA 2012 cars

Similar brands

HONDA
ACCORD
TOYOTA
CAMRY
HYUNDAI
SONATA
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: 07/09/2026