Kia car insurance
Kia Optima insurance quotes by driver
What the Kia Optima costs to insure today for 31 typical drivers, on a 3-year-old Kia Optima 2.0 Turbo, private use, comprehensive cover, repairs at an authorised workshop.
Prices as of 28 Oct 2026, GST included.
In short
- A settled driver (40, 50% NCD, no claims) pays from S$764.82 a year.
- A 25-year-old new driver pays from S$2,897.19, 3.8 times the settled driver's price.
- One S$5,000 claim takes the price to S$1,395.65, 82% more than the settled driver's price.
- Online prices here run from age 21 to 80; every driver here gets an online price.
Driver by driver
| Driver | Lowest | Typical | Insurers |
|---|---|---|---|
| 21, new driveraged 21, single, driving 1 year, no no-claim discount; cheapest Sompo | S$3,896.21 | S$6,028.75 | 4 |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount; cheapest Sompo | S$3,359.79 | S$5,109.35 | 5 |
| 25, new driveraged 25, single, driving 1 year, no no-claim discount; cheapest Sompo | S$2,897.19 | S$4,076.88 | 7 |
| 27, new driveraged 27, single, driving 1 year, no no-claim discount; cheapest Sompo | S$2,437.19 | S$3,532.44 | 7 |
| 28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount; cheapest Sompo | S$1,939.94 | S$2,860.82 | 12 |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount; cheapest Sompo | S$2,101.67 | S$3,004.54 | 7 |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount; cheapest India International | S$1,493.23 | S$2,160.90 | 12 |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount; cheapest India International | S$886.61 | S$1,241.68 | 12 |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount; cheapest India International | S$886.61 | S$1,171.97 | 12 |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount; cheapest India International | S$1,070.75 | S$1,424.00 | 12 |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount; cheapest India International | S$764.82 | S$1,047.28 | 12 |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount; cheapest India International | S$764.82 | S$948.26 | 12 |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount; cheapest Allianz | S$711.38 | S$955.06 | 12 |
| 40, after one claimaged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20%; cheapest Etiqa | S$1,395.65 | S$1,772.18 | 7 |
| 40, after two claimsaged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left; cheapest Liberty | S$2,572.32 | S$2,917.76 | 4 |
| 40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount; cheapest Allianz | S$787.33 | S$1,009.73 | 12 |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points; cheapest India International | S$805.07 | S$964.73 | 12 |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount; cheapest Sompo | S$1,668.39 | S$2,293.56 | 7 |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount; cheapest India International | S$764.82 | S$939.91 | 12 |
| 45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit; cheapest India International | S$764.82 | S$939.91 | 12 |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount; cheapest India International | S$764.82 | S$1,010.98 | 12 |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$764.82 | S$1,080.98 | 12 |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$764.82 | S$1,090.05 | 12 |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$764.82 | S$1,055.31 | 12 |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$764.82 | S$1,107.34 | 11 |
| 65, after one claimaged 65, married, driving more than 20 years, one S$5,000 claim in the last 3 years, NCD down to 20%; cheapest India International | S$1,493.23 | S$1,925.03 | 7 |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount; cheapest Allianz | S$837.36 | S$1,155.61 | 10 |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$841.31 | S$1,218.06 | 7 |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount; cheapest Allianz | S$904.24 | S$1,271.84 | 6 |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount; cheapest MS First Capital | S$1,328.80 | S$1,641.81 | 3 |
| 80, 50% NCDaged 80, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$2,052.27 | S$2,052.27 | 1 |
Budget Direct, DirectAsia, FWD, Income quote live on our results page with your own answers, so they are not counted here. Every plan for the Kia Optima · This table as CSV · Compare with your own details.
Questions people ask
How much is Kia Optima insurance in Singapore?
From S$764.82 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old Kia Optima 2.0 Turbo, private use, comprehensive cover, repairs at an authorised workshop. Young and new drivers, and drivers with claims, pay more: see the table for 31 drivers.
How much is Kia Optima insurance for a new driver?
For a 25-year-old in their first year of driving with no NCD, from S$2,897.19 a year today at Sompo, 3.8 times the price for a settled driver with a 50% NCD. 7 insurers quote this driver online, against 12 for the settled driver.
How much more is Kia Optima insurance after a claim?
After one S$5,000 claim, with the NCD cut from 50% to 20%, the lowest price today is S$1,395.65, 82% more than the S$764.82 with no claims.
Does a new driver aged 40 pay less than a young new driver for a Kia Optima?
Yes, today: S$1,668.39 a year at 40 against S$2,897.19 at 25, both in their first year with no NCD.
Which insurer is cheapest for a Kia Optima?
India International is cheapest for 16 of the 31 drivers here today. Which insurer is cheapest depends on the driver, so compare with your own details.