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KIA OPTIMA 2016 Car Insurance

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The 2016 Kia Optima is a family sedan with sharp styling, offering a solid balance of comfort, tech features, and affordability. It appeals to drivers seeking a reliable mid-size sedan for daily use without sacrificing style.

KIA OPTIMA 2016 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the 2016 Kia Optima fluctuate significantly, moving from $1467 to $949, then spiking to $3316 in 2023 before settling around $1524, $1553, and $1434. This volatility points to isolated variations rather than a stable trend.

To find the best insurance for your KIA OPTIMA 2016 vehicle, it is more important than ever to compare the available options.

How much does insurance for your KIA OPTIMA 2016 cost in Quebec?

The highest premiums are found in Lévis ($3176), Repentigny ($3170), Saint-Jérôme ($2906), and Montreal ($2798), while Terrebonne ($825), Sherbrooke ($1241), and Brossard ($1324) show the lowest amounts. The gap between the most expensive and most affordable cities is very pronounced.

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 $1323.61
DRUMMONDVILLE $1718.4
LAVAL $1621.19
LÉVIS $3176.26
MONTRÉAL $2797.87
QUÉBEC $1614.02
SAINT-JÉRÔME $2906.5
SHERBROOKE $1240.91
TERREBONNE $824.6

Frequently asked questions (FAQ)

How much does insurance cost for a 2016 Kia Optima?
The average premium for a 2016 Kia Optima varies significantly by year, ranging from $949 in 2022 to $3316 in 2023, with a value of $1434 in 2026, the most recent data available.
Why did premiums for the 2016 Kia Optima fluctuate so much between 2021 and 2026?
The sharp spike observed in 2023 ($3316) followed by a return to lower levels (around $1500) may reflect isolated changes in insured risk profiles or data, rather than a lasting trend.
Which cities have the highest insurance costs for the 2016 Kia Optima?
Based on the data provided, Lévis ($3176), Repentigny ($3170), and Saint-Jérôme ($2906) show the highest average premiums for this model.
Where is insurance for the 2016 Kia Optima cheapest?
Terrebonne ($825), Sherbrooke ($1241), and Brossard ($1324) offer the lowest average premiums among the cities provided.
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.
What factors influence the premium for a 2016 Kia Optima?
The vehicle's age, claims history, city of residence, and driver profile all influence the premium, which explains the significant differences observed between the cities provided.
How can I lower my premium for a 2016 Kia Optima?
Comparing quotes from several insurers, especially between cities showing marked differences like Lévis and Terrebonne, can often reveal meaningful savings for the same profile.

Offers received by our customers on KIA OPTIMA 2016 cars

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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