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2020 Kia Optima SE

2020 Kia Optima SE

VIN 5XXGT4L35LG434954 · Stock #MH2479B

$18,546
Original MSRP $27,490 when new
$267/moFinance with $3,710 down, 72 months, 5.9% example APR, tax inPrice details

Est. out the door $19,844

Price includes the dealer's fees. With 7% IN sales tax (est.). Title and registration extra.

#4 of 4 comparable cars around Chicago. How it compares

Listed for saleAbove marketPrice drop $432Listed 13 days ago
Window stickerPrice history

Gravity Gray

Gas

2.4L 4-Cylinder

Automatic

Front-wheel Drive

Sedan

39,353 miles

All features and options

View it on michigancityhyundai.com
Michigan City Hyundai Dealer in Michigan City, IN
Call Directions

How it compares

Against the 4 comparable 2020 Kia Optima for sale around Chicago.

$2,728 over marketMarket price $15,818
Above market: #4 of 4Score 18/100
39,353 milesBelow the 72,000 typical for its age
Price down $432It was $18,978 on Oct 31
Ranking: 2020 Kia Optima, used
#12020 Kia OPTIMA80,735 mi · SILVER · westchicagoautomall.com$9,99929.7% under · score 87#22020 Kia OPTIMA29,568 mi · BLACK · westchicagoautomall.com$14,5999.9% under · score 86#32020 Kia Optima EX46,027 mi · Purple · ahbuickgmc.com$17,8889.8% over · score 26#4This car39,353 mi · Gravity Gray · Michigan City Hyundai$18,54617.2% over · score 18

See all 4 ranked

Compared with every comparable car Carfinity read on dealer websites in this market. How we rank

Before you decide

Real cars nearby that may suit you better.

Save money3 cars
Costs less2018 Kia Optima EX64,657 mi · Snow White Pearl · Castle Chrysler Dodge Jeep Ram Naperville-$3,456$15,090Costs less2020 Kia Optima EX46,027 mi · Purple · ahbuickgmc.com-$658$17,888Costs less2016 Kia Optima EX32,898 mi · Ebony Black · packeywebbford.com-$2,644$15,902

Change one thing

The closest real car for sale nearby with that one thing different.

Year20205 others
20172017 Kia Optima EX50,713 mi · Above market · Elgin Toyota-$2,143$16,40320162016 Kia Optima EX32,898 mi · Above market · packeywebbford.com-$2,644$15,90220182018 Kia Optima EX64,657 mi · Above market · Castle Chrysler Dodge Jeep Ram Naperville-$3,456$15,09020192019 Kia Optima S65,332 mi · Above market · shermandodge.com-$4,162$14,38420152015 Kia Optima EX64,226 mi · Fair price · Castle Volkswagen of Schaumburg-$7,143$11,403
TrimSE1 other
EX2020 Kia Optima EX46,027 mi · Above market · ahbuickgmc.com-$658$17,888
ColorGravity Gray3 others
Purple2020 Kia Optima EX46,027 mi · Above market · ahbuickgmc.com-$658$17,888BLACK2020 Kia OPTIMA29,568 mi · Great deal · westchicagoautomall.com-$3,947$14,599SILVER2020 Kia OPTIMA80,735 mi · Great deal · westchicagoautomall.com-$8,547$9,999
DrivetrainFront-wheel Drive1 other
FWD2020 Kia Optima EX46,027 mi · Above market · ahbuickgmc.com-$658$17,888

Packages and options

Base MSRP
$26,390
Factory options and packages
+ $135
Destination
+ $965
Total MSRP when new
$27,490
Carpeted Floor Mats$135

Specs

Transmission
Automatic
Engine
2.4L 4-Cylinder
Drivetrain
Front-wheel Drive
Fuel
Gas
Body
Sedan
Exterior
Gravity Gray

Safety and recalls

2020 Kia Optima, from the US safety agency NHTSA.

Overall
★★★★★
Frontal crash
★★★★★
Side crash
★★★★★
Rollover
★★★★★

No recall campaigns issued for this model year.

153 owner complaints filed with NHTSA
Engine
104
Power Train
27
Unknown Or Other
16
Electrical System
13
Involving a crash
6
Involving a fire
3

Counts cover every 2020 Optima on the road, so popular models have more.

Price details

Original MSRP when new$27,490
Price$18,284
Doc Fee$262
Michigan City Price$18,546
Est. out the door, with 7% IN sales tax$19,844

Dropped $432; last change November 10, 2026. Listed 13 days ago. Title and registration are extra. Tax is an estimate and varies by county.

Price history Down $432 since Oct 31

Michigan City Hyundai

625 US 20, Michigan City, IN 46360 The store and its cars This car on michigancityhyundai.com

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More Kia Optima in Chicago. See all

2016 Kia OPTIMA EX
1 / 5
Great deal#2 of 5
2016 Kia OPTIMA EX77,459 mi · Used · FWD · White$10,190est. $135/mo$1,736 under market (14.6%)BelowMarket $11,926Above
Driven 7,400 mi a year, below averageOak Lawn, IL
Est. out the door $10,827See this car
2016 Kia Optima EX
1 / 5
Great deal#1 of 5
2016 Kia Optima EX84,903 mi · Used · FWD · Ebony Black$9,836est. $130/mo$1,803 under market (15.5%)BelowMarket $11,639Above
Driven 8,100 mi a year, below averageNaperville, IL
Est. out the door $10,451See this car
2012 Kia Optima EX
1 / 5
Great deal#1 of 1
2012 Kia Optima EX111,669 mi · Used · FWD · Bright Silver$6,403est. $85/mo$1,052 under market (14.1%)BelowMarket $7,455Above
Driven 7,700 mi a year, below average14 years oldFew comparable cars: 1Streamwood, IL
Est. out the door $6,803See this car
2018 Kia OPTIMA
1 / 5
Great deal#1 of 6
2018 Kia OPTIMA73,337 mi · Used · FWD · SILVER$9,999est. $132/mo$2,934 under market (22.7%)BelowMarket $12,933Above
Driven 8,600 mi a year, below averageWest Chicago, IL
Est. out the door $10,624See this car

VIN 5XXGT4L35LG434954 · Stock MH2479B. Price is the dealer's advertised price, including the fees shown, and excludes tax, title and registration. Internet Price includes a Dealer Processing Fee. Payment estimates are on approved credit. Confirm price and availability with the dealer.

Price details$18,546
View on dealer site

Estimate my payment

$267/mo72 months, 5.9% example APR, $3,710 down
Price with 7% IN sales tax
$19,844
Amount financed
$16,134

Estimate only, on approved credit. Title and registration are extra. Your rate depends on your credit and lender.

Price details

Original MSRP when new$27,490
Price$18,284
Doc Fee$262
Michigan City Price$18,546
Est. out the door, with 7% IN sales tax$19,844

Dropped $432; last change November 10, 2026. Listed 13 days ago. Title and registration are extra. Tax is an estimate and varies by county.

Price history

Down $432 since Oct 31

Advertised at $18,546 today. Listed 13 days ago.

Oct 31$18,978Now$18,546Oct 31Nov 13
November 10, 2026
-$432 $18,546
October 31, 2026
$18,978

The dealer's advertised price, each time it changed.

Window sticker

2020 Kia Optima SE, as it was priced new.

Base price$26,390
Carpeted Floor Mats$135
Destination$965
Total MSRP when new$27,490

From this car's factory window sticker. Today's advertised price is $18,546.