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KIA OPTIMA 2019 Car Insurance

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The 2019 Kia Optima is a midsize sedan with elegant styling and generous equipment for its class. It focuses on comfort, reliability, and strong value, appealing to drivers seeking a practical, well-equipped family car.

KIA OPTIMA 2019 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the 2019 Kia Optima fluctuate significantly, moving from $1602 to $2211, dropping to $1236 in 2024, then rising back to $2136 in 2026. This notable variability suggests sensitivity to market conditions rather than a stable trend.

To find the best insurance for your KIA OPTIMA 2019 vehicle, it is more important than ever to compare the available options.

How much does insurance for your KIA OPTIMA 2019 cost in Quebec?

The highest premiums for the 2019 Kia Optima are found in Longueuil ($3717), Trois-Rivières ($3210), and Gatineau ($3278), while Brossard ($1016) and Repentigny ($1286) show the lowest amounts. The spread between cities is particularly wide 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 $1015.88
GATINEAU $3278.48
LÉVIS $1742.84
LONGUEUIL $3716.9
MONTRÉAL $1466.05
QUÉBEC $2401.44
REPENTIGNY $1286.2
TROIS-RIVIÈRES $3210.32

Frequently asked questions (FAQ)

How much does insurance cost for a 2019 Kia Optima?
Based on available data, the average premium reached $2136 in 2026, though it varies significantly year to year, having been as low as $1236 in 2024.
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.
Why does the premium for the 2019 Kia Optima vary so much year to year?
Premiums went from $1602 in 2021 to $2211 in 2022, then dropped to $1236 in 2024, before rising back to $2136 in 2026. These fluctuations reflect changes in repair costs, parts availability, and insurance market conditions.
Which city offers the lowest insurance cost for a 2019 Kia Optima?
Based on the data provided, Brossard ($1016) and Repentigny ($1286) post the lowest average premiums for this model.
Why is the premium so high in Longueuil and Gatineau?
Longueuil ($3717) and Gatineau ($3278) show amounts well above the provincial average, possibly due to local factors like traffic density and claim frequency.
What factors influence insurance premiums for a 2019 Kia Optima?
Vehicle age, claims history, city of residence, and driver profile all influence the premium, which can vary by more than $2500 depending on location.
How can I lower my premium for a 2019 Kia Optima?
Comparing quotes from several partner insurers is especially useful for this model, given the significant differences observed across cities and years.

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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: 09/04/2026

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