Kia Optima vs Toyota Camry

Searchshop currently shows 31 listings for the Kia Optima from 16 dealers alongside 1,105 listings for the Toyota Camry from 44 dealers, with prices and dealer locations updated continuously. On price, the Kia Optima runs roughly 61% below the Toyota Camry at the median ($10,698 vs $27,499), which adds up across the typical loan term. Listings span model years 2007–2020 for the Kia Optima and 2006–2026 for the Toyota Camry, so there's flexibility on both sides whether you're cross-shopping new, late-model, or used.

A live-data comparison like Kia Optima vs Toyota Camry gives cars and trucks buyers a more realistic picture than spec sheets alone — the prices shown here reflect actual dealer asking prices, not MSRP. When evaluating cars and trucks at this price point, experienced buyers typically weigh service history, mileage, trim level, and remaining powertrain warranty alongside the headline number. The Kia Optima currently carries the lower median asking price, which compounds meaningfully over a 48-to-72-month financing term — even a modest gap per month adds up to hundreds of dollars by payoff. Broader selection from the Toyota Camry side gives buyers more negotiating room and reduces the chance of settling on a unit that's slightly off on color, trim, or mileage. Running a VIN history report and scheduling an independent pre-purchase inspection are the two most effective steps for catching hidden accident history, odometer rollbacks, or deferred maintenance before signing. Insurance premiums, fuel costs, and scheduled maintenance intervals vary between models and trim levels — comparing total five-year cost of ownership, not just sticker price, often changes the calculus significantly. Listings refresh continuously as dealers update their feeds — check back if a specific cars or trucks you're tracking changes in price or status.