Find and compare cheap insurance quotes

KIA OPTIMA 2018 Car Insurance

View offers received by our clients for their KIA OPTIMA 2018 car insurance

Click here to save on your car insurance

The 2018 Kia Optima is a midsize sedan with elegant styling and generous equipment for its class. It offers strong value, a spacious cabin, and an advantageous warranty, appealing to drivers seeking everyday comfort and reliability.

KIA OPTIMA 2018 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the 2018 Kia Optima fluctuate significantly, moving from $19198 in 2021 to $1358 in 2022, then rising to $1945 in 2024, before dropping to $1217 in 2026. These large swings suggest occasional variations rather than a stable linear trend.

To find the best insurance for your KIA OPTIMA 2018 vehicle, it is more important than ever to compare the available options.

How much does insurance for your KIA OPTIMA 2018 cost in Quebec?

Premiums vary considerably by city: Montreal shows the highest premium ($3316), followed by Trois-Rivières ($2279), while Quebec City ($862) and Laval ($1263) post the lowest amounts. Gatineau ($1647) and Lévis ($1591) fall in a mid-range bracket.

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 $1646.99
LAVAL $1263.26
LÉVIS $1591.4
MONTRÉAL $3316.48
QUÉBEC $908.96
TROIS-RIVIÈRES $2279.37

Frequently asked questions (FAQ)

How much does auto insurance cost for a 2018 Kia Optima?
Based on available data, the average premium for a 2018 Kia Optima has varied significantly, reaching $1945 in 2024 and $1911 in 2025, with notable differences across the years observed.
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.
Which city offers the lowest insurance cost for a 2018 Kia Optima?
Based on the data provided, Quebec City ($862) and Laval ($1263) post the lowest average premiums for this model.
Why does Montreal show a much higher premium than other cities?
Montreal stands out with an average premium of $3316, well above other cities like Trois-Rivières ($2279), possibly due to higher traffic density and claim risk.
Are 2018 Kia Optima premiums stable over time?
No. The data shows significant year-to-year fluctuations, moving from $19198 in 2021 to $1358 in 2022, then to $1217 in 2026, making the trend difficult to generalize.
What factors influence the premium for a 2018 Kia Optima?
Vehicle age, city of residence, driver profile, and claims history all influence the premium, which can range from $862 to over $3300 depending on location.
How can I get the best premium for a 2018 Kia Optima?
Comparing quotes from several insurers remains the most effective approach, especially given the marked differences observed between cities for this model.

Offers received by our customers on KIA OPTIMA 2018 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