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Should I keep my Kia Optima?
Keeping an 8-year-old (2018) Kia Optima at typical mileage costs about $4,935 a year: $846 in value it loses, $1,073 insurance, $1,414 fuel, $1,501 maintenance and repairs and $100 registration.
By model year
What a Kia Optima costs to keep, by year
Next 12 months for a paid-off car at 12,000 miles a year, average insurance costs, $3.30 gas. Click a year to run your own numbers in Keep or Switch.
| Year | Value today | Cost to keep next year | Value lost | Maintenance and repairs | Efficiency | Repair complaints |
|---|---|---|---|---|---|---|
| 2020 | $10,346 | $5,093 | $1,125 | $1,334 | 28 MPG | More than average |
| 2019 | $8,944 | $4,830 | $873 | $1,348 | 28 MPG | About average |
| 2018 | $7,830 | $4,935 | $846 | $1,501 | 28 MPG | More than average |
| 2017 | $6,774 | $4,772 | $616 | $1,614 | 29 MPG | More than average |
| 2016 | $5,973 | $4,887 | $597 | $1,742 | 28 MPG | More than average |
| 2015 | $5,215 | $5,099 | $521 | $1,878 | 25 MPG | More than average |
| 2014 | $4,552 | $5,055 | $455 | $1,917 | 25 MPG | More than average |
| 2013 | $3,974 | $4,971 | $397 | $2,023 | 27 MPG | More than average |
| 2012 | $3,469 | $5,047 | $347 | $2,164 | 27 MPG | More than average |
| 2011 | $3,029 | $5,081 | $303 | $2,254 | 27 MPG | More than average |
| 2010 | $2,644 | $5,249 | $264 | $2,356 | 25 MPG | More than average |
| 2009 | $2,308 | $5,279 | $231 | $2,431 | 25 MPG | More than average |
| 2008 | $2,015 | $5,295 | $202 | $2,487 | 25 MPG | About average |
| 2007 | $1,759 | $5,309 | $176 | $2,537 | 25 MPG | About average |
| 2006 | $1,536 | $5,591 | $154 | $2,713 | 23 MPG | About average |
Should you keep it?
Keeping vs replacing your Kia Optima
- Cheapest year to keep: 2017, at about $4,772 a year.
- Most repair-heavy complaints: 2015, based on NHTSA owner complaints about the engine, transmission, electrical and fuel systems compared with similar cars that year.
- Older isn't always cheaper: value lost shrinks as a car ages, but maintenance and repairs grow, from $1,334 a year for a 2020 to $2,713 for a 2006.
A paid-off car is usually the cheapest car you can drive, even with repairs: a replacement starts losing value the day you buy it and comes with tax, fees and often a loan. Switching tends to pay only when repairs get large and frequent, or a much more efficient car cuts fuel costs enough. Keep or Switch compares your Kia Optima against any replacement, including the costs of switching.
Questions
Common questions
How much does it cost to own a Kia Optima per year?
For a 2018 model at typical mileage, about $4,935 a year in value lost, insurance, fuel, maintenance, repairs and registration, not counting any loan. Years in the table range from $4,772 to $5,591.
Which Kia Optima years have the most problems?
In NHTSA owner complaint data, 2015 drew the most repair-heavy complaints relative to similar cars. Complaints are voluntary and busier models draw more of them, so treat this as a weak signal.
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