2020 Kia Optima
5XXGT4L3XLG392104
ABOVE TYPICAL
· $4,295 above typical price
Temple, TX
This 2020 Kia Optima is listed at $16,795 with 78,318 miles in Temple, TX.
Market price range
Based on 394 comparable same-build listings · Market data as of August 25, 2026This vehicle: $16,795 — $4,295 above the typical market price ($12,500)
Asking $16,795 · typical market price $12,500 · based on 394 comparable same-build listings.
Price history for this VIN
Asking prices recorded across 4 listing dates for VIN 5XXGT4L3XLG392104, spanning 27 days.
Active listing
Full listing history on VehiSales →| Dealer | Location | Price | Mileage | Listed |
|---|---|---|---|---|
| DriveTime of Temple | Temple, TX 76502 | $16,795 | 78,318 mi | 2026-07-25 |
Former listings
| Dealer | Location | Price | Mileage | Listed |
|---|---|---|---|---|
| DriveTime of Temple | Temple, TX 76502 | $16,795 | 78,318 mi | 2026-08-04 |
What would this 2020 Kia Optima cost per month?
Estimate the monthly payment on a $16,795 vehicle. Move the numbers to match your own loan.
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 5XXGT4L3XLG392104- ✓ Backup camera
- ✓ Blind-spot monitor
- ✓ Lane departure
- ✓ ABS
- ✓ Electronic stability
Fuel economy (EPA)
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.
Estimate — insurance and taxes vary by driver and state.
Safety & recalls
NHTSA crash tests & recall campaigns for this model yearTested 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.
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) | $16,795 | 394 | — |
| 2018 Honda Accord | $20,998 | 9 | +$4,203 |
| 2021 Toyota Camry | $23,500 | 9 | +$6,705 |
| 2021 Honda Civic | $19,963 | 8 | +$3,168 |
| 2021 Hyundai Sonata | $15,149 | 7 | −$1,646 |
| 2021 Chevrolet Malibu | $16,995 | 7 | +$200 |
Cheapest active listings of each comparable body style in this region — median of what those models actually ask.
Market by model year
Gen 1 · 2015–2020What 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.
Watch the price on this model
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