Ford Fusion vs Kia Optima Insurance Cost

The Ford Fusion is cheaper to insure by about $35 a year for full coverage by our estimate ($1,355 vs. $1,390), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Ford Fusion	Kia Optima	Difference
State minimum	$605	$605	—
Standard (100/300/100)	$880	$880	—
Full coverage	$1,355	$1,390	−$35

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Fusion minus Optima.

Why one costs more to insure

Factor	Ford Fusion	Kia Optima
Segment	Midsize car	Midsize car
Powertrains	Gasoline, Hybrid, Plug-in hybrid, Flex-fuel	Gasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	#6
Recalls (latest 3 model years)	6	4

The Kia Optima appears on the NICB most-stolen list, adding to comprehensive costs.

Fusion vs Optima insurance by state

State	Fusion	Optima	Difference
Alabama	$1,155	$1,195	−$40
Alaska	$1,175	$1,205	−$30
Arizona	$1,425	$1,470	−$45
Arkansas	$1,155	$1,200	−$45
California	$1,305	$1,330	−$25
Colorado	$1,520	$1,590	−$70
Connecticut	$1,465	$1,490	−$25
Delaware	$1,560	$1,590	−$30
District of Columbia	$1,690	$1,735	−$45
Florida	$2,020	$2,055	−$35
Georgia	$1,725	$1,760	−$35
Hawaii	$915	$935	−$20
Idaho	$910	$940	−$30
Illinois	$1,160	$1,195	−$35
Indiana	$950	$980	−$30
Iowa	$880	$930	−$50
Kansas	$1,045	$1,100	−$55
Kentucky	$1,145	$1,180	−$35
Louisiana	$1,885	$1,940	−$55
Maine	$845	$870	−$25
Maryland	$1,535	$1,570	−$35
Massachusetts	$1,325	$1,355	−$30
Michigan	$1,460	$1,500	−$40
Minnesota	$1,105	$1,155	−$50
Mississippi	$1,270	$1,320	−$50
Missouri	$1,210	$1,260	−$50
Montana	$1,040	$1,100	−$60
Nebraska	$1,045	$1,100	−$55
Nevada	$1,620	$1,645	−$25
New Hampshire	$950	$975	−$25
New Jersey	$1,680	$1,710	−$30
New Mexico	$1,200	$1,245	−$45
New York	$1,860	$1,900	−$40
North Carolina	$975	$1,005	−$30
North Dakota	$815	$865	−$50
Ohio	$950	$985	−$35
Oklahoma	$1,185	$1,240	−$55
Oregon	$1,245	$1,275	−$30
Pennsylvania	$1,155	$1,195	−$40
Rhode Island	$1,665	$1,695	−$30
South Carolina	$1,480	$1,520	−$40
South Dakota	$970	$1,045	−$75
Tennessee	$1,100	$1,135	−$35
Texas	$1,575	$1,640	−$65
Utah	$1,255	$1,280	−$25
Vermont	$845	$875	−$30
Virginia	$1,160	$1,195	−$35
Washington	$1,200	$1,225	−$25
West Virginia	$1,095	$1,145	−$50
Wisconsin	$905	$945	−$40
Wyoming	$990	$1,065	−$75

By driver profile (full coverage)

Driver	Fusion	Optima
Teen driver (18, own policy)	$3,720	$3,830
Young adult (22)	$2,165	$2,225
Adult in their 30s	$1,355	$1,390
Adult in their 50s	$1,245	$1,280
Senior (72)	$1,515	$1,560
30s, one at-fault accident	$1,960	$2,020
30s, DUI on record	$2,505	$2,575

More comparisons

Frequently asked questions

Is the Ford Fusion or the Kia Optima cheaper to insure?

By our estimate the Ford Fusion is cheaper, by about $35 a year for full coverage ($1,355 vs. $1,390) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Ford Fusion and Kia Optima?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page