This vehicle is no longer listed, so the estimate starts from $10,348 — the typical market price for this build. Move the numbers to match your own loan.

Vehicle price

Down payment

10% down

Interest rate (APR)

7.0% is a typical rate for a well-qualified buyer — use your own quote if you have one.

Loan term

Estimated monthly payment

$184

per month

60 months · 7.0% APR · $1,035 down

Amount financed

$9,313

Total interest

$1,727

Estimate only. Excludes tax, title, registration and dealer fees, and assumes a fixed-rate loan with equal monthly payments. Your actual rate depends on your credit and lender.

Decoded from the VIN

NHTSA build data for 5XXGU4L39GG099250

Engine

2.4L · V4

Body

Sedan/Saloon

Fuel

Gasoline

Doors

Model year

2016

Made by

KIA GEORGIA, INC

✗ Backup camera
✗ Blind-spot monitor
✗ Lane departure
✗ ABS
✗ Electronic stability

Fuel economy (EPA)

Combined

MPG

City

MPG

Highway

MPG

$1,500 /yr est. fuel

Assumes 15,000 miles a year at $3.10/gallon and 31 MPG combined.

5-year cost to own

Beyond the sticker: what this 2016 Kia Optima likely costs over five years at 15,000 mi/yr.

Depreciation $1,183

Fuel $7,500

Insurance $8,458

Maintenance & repairs $4,950

Total, 5 years $22,091

Estimate — insurance and taxes vary by driver and state.

Safety & recalls

NHTSA crash tests & recall campaigns for this model year

The 2016 Kia Optima has 5 recall campaigns as of July 2026. NHTSA rated it 5 out of 5 stars overall. EPA combined fuel economy: 31 MPG.

Overall

★★★★★

5 of 5 · NHTSA

Frontal crash

★★★★★

5 of 5 · NHTSA

Side crash

★★★★★

5 of 5 · NHTSA

Rollover

★★★★★

5 of 5 · NHTSA

Tested configuration: 2016 Kia Optima 4 DR FWD

5 recall campaigns on this model year

Check accident & title history →

FUEL SYSTEM, GASOLINE

Kia Motors America (Kia) is recalling certain 2011-2017 Optima, 2012-2017 Sorento and 2011-2018 Sportage vehicles that previously received an engine replacement under recall…

NHTSA campaign 18V907000
AIR BAGS

Kia Motors America (Kia) has recalled one 2016 Optima vehicle.

NHTSA campaign 17V007000
POWER TRAIN

Kia Motors America (Kia) is recalling certain model year 2016 Kia Optima vehicles manufactured November 13, 2015, to April 23, 2016 and equipped with a 2.4l engine.

NHTSA campaign 16V705000

Recall campaigns apply to the model year, not to one car. Check remedy status for this VIN at nhtsa.gov/recalls.

Model-level data for the 2016 Kia Optima from NHTSA (recalls, NCAP crash tests) and EPA fueleconomy.gov, refreshed July 28, 2026.

Where the price is heading

Typical asking price for a 2016 Kia Optima over the last 6 months — the market softened $10 in that span.

Mar Apr May Jun Jul Aug

Monthly price table

Month	Typical price
March 2026	$9,990
April 2026	$9,900
May 2026	$9,995
June 2026	$9,995
July 2026	$9,498
August 2026	$9,980

How it compares to rivals

Median asking price for comparable body styles listed near this car

Model	Median price	For sale nearby	vs this car
2016 Kia Optima (this car)	$10,348	174	—
2016 Honda Accord	$16,526	6	+$6,178
2018 Hyundai Elantra	$11,138	4	+$790
2016 Honda Civic	$14,498	4	+$4,150
2018 Toyota Camry	$18,645	4	+$8,297
2018 Ford Fusion	$14,995	3	+$4,647

Cheapest active listings of each comparable body style in this region — median of what those models actually ask.

Market by model year

Gen 1 · 2015–2020

What each model year costs right now — live supply, median asking price and how much value each year keeps versus the newest one.

Year	Units for sale	Median price	vs newest	Avg mileage
2020	461	$12,988	100%	91,807 mi
2019	680	$12,062	93%	94,169 mi
2018	430	$10,995	85%	100,453 mi
2017	238	$9,968	77%	106,144 mi
2016	572	$8,999	69%	108,130 mi
2015	433	$8,500	65%	114,060 mi