2020 Kia Optima

VIN 5XXGT4L38LG439467 ABOVE TYPICAL · $1,814 above typical price Fenton, MI
Listed at
$14,314
typical market $12,500 · 394 comps

This 2020 Kia Optima is listed at $14,314 with 63,401 miles in Fenton, MI.

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Full history for VIN 5XXGT4L38LG439467 — accidents, title brands, odometer records and every past listing with photos and prices.

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  • Title brands — salvage, flood, lemon
  • Odometer readings over time
  • Every past listing: price, dealer, photos
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Market price range

Based on 394 comparable same-build listings · Market data as of August 25, 2026
This vehicle · $14,314
Below market
$8,994
Typical price
$12,500
Above market
$16,993

This vehicle: $14,314 — $1,814 above the typical market price ($12,500)

Asking $14,314 · typical market price $12,500 · based on 394 comparable same-build listings.

See all 2020 Kia Optima prices — typical $12,500 →

Price history for this VIN

Price increased $314 (+2.2%) over 2 days.

Aug 19, 2026 · $14,000 Aug 21, 2026 · $14,314

Asking prices recorded across 2 listing dates for VIN 5XXGT4L38LG439467, spanning 2 days.

Dealer Location Price Mileage Listed
Lasco Ford, Inc. Fenton, MI 48430 $14,314 63,401 mi 2026-08-21
Lasco Ford Fenton, MI 48430 $14,000 63,401 mi 2026-08-19

Former listings

Dealer Location Price Mileage Listed
Lasco Ford Fenton, MI 48430 $14,500 63,401 mi 2026-08-19
Lasco Ford, Inc. Fenton, MI 48430 $14,814 63,401 mi 2026-08-19

What would this 2020 Kia Optima cost per month?

Estimate the monthly payment on a $14,314 vehicle. Move the numbers to match your own loan.

10% down
7.0% is a typical rate for a well-qualified buyer — use your own quote if you have one.
Loan term
Estimated monthly payment
$255
per month
60 months · 7.0% APR · $1,431 down
Amount financed
$12,883
Total interest
$2,417

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 5XXGT4L38LG439467
Engine
2.4L · V4
Horsepower
185
Drivetrain
FWD/Front-Wheel Drive
Transmission
Automatic
Body
Sedan/Saloon
Fuel
Gasoline
Doors
4
Model year
2020
Made by
KIA GEORGIA, INC
  • Backup camera
  • Blind-spot monitor
  • Lane departure
  • ABS
  • Electronic stability

Fuel economy (EPA)

Combined
31
MPG
City
27
MPG
Highway
37
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 2020 Kia Optima likely costs over five years at 15,000 mi/yr.

Depreciation $4,674
Fuel $7,500
Insurance $8,900
Maintenance & repairs $3,375
Total, 5 years $24,449

Estimate — insurance and taxes vary by driver and state.

Safety & recalls

NHTSA crash tests & recall campaigns for this model year
Overall
★★★★★
5 of 5 · NHTSA
Frontal crash
★★★★★
5 of 5 · NHTSA
Side crash
★★★★★
5 of 5 · NHTSA
Rollover
★★★★★
5 of 5 · NHTSA

Tested configuration: 2020 Kia Optima 4 DR FWD

Model-level data for the 2020 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 2020 Kia Optima over the last 6 months — the market softened $269 in that span.

Mar Apr May Jun Jul Aug
Monthly price table
Month Typical price
March 2026 $13,767
April 2026 $13,880
May 2026 $13,553
June 2026 $13,427
July 2026 $13,721
August 2026 $13,498

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
2020 Kia Optima (this car) $14,314 394
2019 Chevrolet Malibu $11,675 14 −$2,639
2018 Toyota Camry $17,775 8 +$3,461
2020 Ford Fusion $13,548 6 −$766
2021 Kia K5 $16,212 5 +$1,898
2021 Subaru WRX $25,445 4 +$11,131

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 472 $12,915 100% 91,808 mi
2019 681 $12,197 94% 94,077 mi
2018 419 $11,000 85% 99,949 mi
2017 233 $9,990 77% 106,326 mi
2016 575 $8,999 70% 108,230 mi
2015 400 $8,499 66% 114,742 mi

Units for sale — listings of each model year in the latest nightly market snapshot.

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