2020 Kia Optima
2020 · 4-door · gasoline
A
Top 12% of 2020 gas cars
8.4 L/100 km · about $2,411 a year
Among 2020 full-size cars, all types#18 of 66
Against every car on sale today, EVs includedC
20,000 km a year at $1.44/L regular gasoline.
Change km or fuel price
D
Costs more to insure than 70% of 2020 cars
From what insurers have paid out on this model
Compares cars, not drivers. Not a quote.
Insurance estimates for
- Crash rating
- 5/5 NHTSA stars
- Insurance claims
- 149 49% above average
- Theft risk
- High 159% above average
- Awards
- 1 IIHS
Why insurance costs what it does
What insurers have paid out on this model, compared with a typical car. Bars to the right mean higher claims than typical, which push the price up.
- Crash repairsCollision83% above
- Theft, vandalism and hailComprehensive15% below
- Damage from other driversDCPD99% above
- Injury payoutsAccident benefits27% above
- How often it's stolenTheft frequency159% above
How the grade is worked out
We estimate what a typical driver with full coverage would pay for this model in Ontario, then rank it against every other 2020 model. The car-specific part of the premium follows what insurers have paid out on this model (the bars above). A is cheaper to insure than at least 80% of them. It compares cars, not drivers: your own quote depends mostly on your age, record and address.
Sources: Alberta AIRB, FSRA, GAA, Facility Association and IBC How Cars Measure Up. How this works
Safety
5/5 in U.S. government crash tests (NHTSA) on the Optima. 5 is best.
- Overall★★★★★
- Head-on crash★★★★★
- Side crash★★★★★
- Rollover resistance★★★★★
Driver assist
- Automatic emergency braking: standard
- Forward collision warning: standard
- Lane departure warning: standard
- Blind-spot warning: standard
Awards
- IIHSTop Safety Pick+ Source
About these ratings
Stars measure how well the cabin protects people in a lab crash, not how often the car crashes. They're for the U.S. version (4 DR, FWD) of the same model year, usually the same car as in Canada. IIHS awards can depend on headlights or trim. How this works
Fuel and emissions
- City9.5 L
- Highway7.1 L
- CO₂199 g/km
- Smog rating5/10
Litres per 100 km. Rated as gasoline, 177 of 805 for efficiency in 2020.
All NRCan figures
- NRCan model name
- Optima
- Powertrain (file)
- ice
- Vehicle class
- Full-size
- Engine
- 2.4 L
- Cylinders
- 4
- Transmission
- AS6
- Fuel type
- Regular
- City
- 9.5 L/100 km
- Highway
- 7.1 L/100 km
- Combined
- 8.4 L/100 km
- Combined (mpg)
- 34
- Energy use (ranking scale)
- 8.4 L/100 km eq.
- CO₂
- 199 g/km
- CO₂ rating
- 6/10
- Smog rating
- 5/10
- NRCan trims averaged
- 1
- Efficiency rank this year
- 177 of 805 (beats 78%)
- Class rank this year
- 18 of 66 · Full-size
- Vs latest NRCan year
- 380 of 794 in 2026
- Class vs latest year
- 23 of 43
Lab ratings from Natural Resources Canada; real-world use, especially in winter, is usually higher. How this works