Where there's room on price
37
/ 100 (moderate)
Approx. 56 days of national supply — moderate negotiating leverage.
Ridekick price report
2020 Kia Optima Price: Typical Asking Price & MSRP
A mileage-adjusted read of comparable active listings—not a quote for a specific VIN, trim, condition, or location.
Typical asking price
$13,780
Inside the middle half of current listings.
Price intelligence
A map of today's market
Typical asking price is in the typical market range
$4,950$19,990
- Typical market range
- $10,999–$15,148
- Typical asking price
- $13,780
- Original MSRP range
- $23,390–$36,090
Middle 50% of active listings
At typical mileage
7 sourced trims when new
Buyer context
Market pulse
What this means for you. It's market data, not a price for a specific car.
National supply
56
days of supply
Balanced market
Supply and demand are roughly balanced for the 2020 Kia Optima.
Estimated dealer cost (invoice)
$21,519–$22,454
Estimated dealer invoice — about $23,390 MSRP minus a typical 4–8% manufacturer margin.
An estimate, not a sourced figure. Actual dealer invoice varies with manufacturer incentives, holdback, and regional pricing.
Typical asking price by trim
| Trim | Typical asking (at typical mileage) | MSRP | Est. dealer cost |
|---|---|---|---|
| LX | $13,181 | $23,390 | $21,519–$22,454 |
| S | $13,916 | $24,690 | $22,715–$23,702 |
| SE | $13,930 | $26,190 | $24,095–$25,142 |
| EX | $17,037 | $29,990 | $27,591–$28,790 |
| SX | $18,395 | $31,990 | $29,431–$30,710 |
| ex-hybrid | — | $29,310 | $26,965–$28,138 |
| ex-plug-in-hybrid | — | $36,090 | $33,203–$34,646 |
Trim comparison
How each trim is priced
Estimated dealer cost Original MSRP Typical asking price
Trim
$11,348$24,636$37,923
Typical askingLX
$13,181
LX: typical asking price $13,181, original MSRP $23,390, estimated dealer cost $21,519 to $22,454.
S
$13,916
S: typical asking price $13,916, original MSRP $24,690, estimated dealer cost $22,715 to $23,702.
SE
$13,930
SE: typical asking price $13,930, original MSRP $26,190, estimated dealer cost $24,095 to $25,142.
EX
$17,037
EX: typical asking price $17,037, original MSRP $29,990, estimated dealer cost $27,591 to $28,790.
SX
$18,395
SX: typical asking price $18,395, original MSRP $31,990, estimated dealer cost $29,431 to $30,710.
ex-hybrid
—
ex-hybrid: typical asking price not available, original MSRP $29,310, estimated dealer cost $26,965 to $28,138.
ex-plug-in-hybrid
—
ex-plug-in-hybrid: typical asking price not available, original MSRP $36,090, estimated dealer cost $33,203 to $34,646.
All marks use the same price scale. Dealer cost is an estimate; original MSRP and typical asking price are shown for context, not as a guarantee of a particular vehicle’s price.
Out-the-door price by state
Out-the-door for a 2020 Kia Optima runs about $14,091 in MT to $15,720 in NJ — the typical asking price plus state tax, title, registration, and a typical dealer doc fee.
| State | Sales/use tax | Doc + title + reg | Out-the-door |
|---|---|---|---|
| CA | $999 | $110+ | $14,889 |
| TX | $861 | $332 | $14,973 |
| FL | $827 | $1,074+ | $15,681 |
| NY | $551 | $371 | $14,702 |
| PA | $827 | $587 | $15,194 |
| IL | $861 | $683 | $15,324 |
| OH | $792 | $444 | $15,016 |
| GA | $965 | $637 | $15,382 |
| NC | $413 | $793 | $14,986 |
| WA | $896 | $215+ | $14,891 |
| OR | $0 | $525 | $14,305 |
Estimates using each state's base tax rate. Local (city/county) taxes can add 1–3% in many areas, dealer doc fees vary, and some states base registration on vehicle value or weight (shown with a "+"). Trade-in tax credits are not included.
Out-the-door price by state: California, Texas, Florida, New York, Pennsylvania, Illinois, Ohio, Georgia, North Carolina, Washington, Oregon
Fuel economy
27
MPG city
37
MPG highway
31
MPG combined
EPA-estimated fuel economy for a representative 2020 Kia Optima configuration (Regular).
Questions buyers ask
What is the typical asking price for a 2020 Kia Optima?
Used 2020 Kia Optima listings ask about $13,780 at typical mileage, with most listings between $10,999 and $15,148. That is what sellers are asking, not what buyers pay.
Is the 2020 Kia Optima cheaper than MSRP?
Yes — its original MSRP was about $23,390, so the typical asking price for a used one is roughly $9,610 below MSRP.
What is the out-the-door price of a 2020 Kia Optima?
Out-the-door (price plus state tax, title, registration, and a typical doc fee) runs about $14,091 in MT to $15,720 in NJ, depending on your state. Local taxes can add more.
Is now a good time to buy a 2020 Kia Optima?
There are about 56 days of national market supply for the 2020 Kia Optima — Supply and demand are roughly balanced for the 2020 Kia Optima.
Is the listed price on a 2020 Kia Optima fair?
Usually, yes. 2020 Kia Optima listings typically ask about $12,999, roughly 6% below the typical asking price at typical mileage, $13,780. Compare any listing against that figure, and get the dealer's out-the-door price in writing, because tax and fees are added on top of the listed price.
What does the dealer pay for a 2020 Kia Optima?
The estimated dealer cost (invoice) is roughly $21,519–$22,454 — its $23,390 MSRP minus a typical 4–8% margin. An estimate; actual invoice varies.
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Prices are computed from live market listings, adjusted for mileage, and aggregated by trim · updated 10/30/2026. Estimates only; your price depends on condition, options, and location.