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Used Kia Optima for sale near Panama City, FL

Filters 3 Model Price & payment Make Mileage All filters
1 match 30 miles from 32405
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Est. $400 /mo*
Down Payment
$0
Net trade-in value
$0
Months
72
APR
7.0%
Sales tax
0.0%

*Estimated payments are calculated by Cars.com and are for informational purposes only. We’ve estimated your taxes based on your provided ZIP code. These estimates do not include title, registration fees, lien fees, or any other fees that may be imposed by a governmental agency in connection with the sale and financing of the vehicle. Other taxes may apply. They do not represent a financing offer or a guarantee of credit from the seller. Actual terms vary by lender.

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2012 Kia Optima EX
2012 Kia Optima EX
2012 Kia Optima EX
2012 Kia Optima EX
2012 Kia Optima EX
2012 Kia Optima EX View all 28 photos
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Used

2012 Kia Optima EX

105,145 mi.
$7,976
Est. $145/mo*
View this car on seller’s website
Rountree Moore Kia
(204 reviews)
Lake City, FL (179 mi.)

Vehicle information

Ext. color: Bright Silver
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 24-35
Fuel type: Gasoline
Transmission: 6-Speed Automatic with Sportmatic
Engine: 2.4L I-4 gasoline direct injection, DOHC, variable valve control
Stock #: 5450949A
VIN: 5XXGN4A7XCG076797

Features

Convenience: Cooled Seats, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System
Entertainment: Bluetooth®, CD Player, HomeLink, Premium Sound System
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat
2020 Kia Optima S
2020 Kia Optima S
2020 Kia Optima S
2020 Kia Optima S
2020 Kia Optima S
2020 Kia Optima S View all 38 photos

Used

2020 Kia Optima S

3,598 mi.
$21,994
Est. $401/mo*
Panama City Toyota
(3,074 reviews)
Panama City, FL (2 mi.)
Call Check availability Check availability

Vehicle information

Ext. color: Snow White Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 24-32
Fuel type: Gasoline
Transmission: 6-Speed Automatic with Sportmatic
Engine: Theta II 2.4L I-4 gasoline direct injection, DOHC, D-CVVT variab
Stock #: P17541
VIN: 5XXGT4L35LG424604

Features

Convenience: Keyless Entry, Keyless Start, Navigation System
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Panama City Toyota review

We drove from Atlanta to Panama City Florida to purchase

June 9, 2025
By Stephen Ritz from Atlanta. Georgia

We drove from Atlanta to Panama City Florida to purchase a pre-owned vehicle. From start to finish everyone was terrific and accommodating. Avi, our Sales Rep and Kody, the Sales Manager were great. All of our questions were answered to our satisfaction. The Lincoln MKZ that we purchased is beyond expectations Highly recommend PC Toyota for your next vehicle, new or pre-owned.

2020 Kia Optima S review

Love this car!

February 20, 2025
By Brendan from New york
Owns this car

Love this car! Have 45,000 miles on vehicle and have only done brakes and tires… Super happy with the way it looks and responds. Most reliable car I have owned. Would happily go to another Kia after this one!

There are additional matching cars outside your search area.

Sorted by premium dealers first

Partial matches are generated by applying your search criteria to a larger search area. Our goal is to help you discover additional cars that match your search preferences.

As a benefit to some of our dealer customers, we display their listings first.
2011 Kia Optima SX
2011 Kia Optima SX
2011 Kia Optima SX
2011 Kia Optima SX
2011 Kia Optima SX
2011 Kia Optima SX View all 7 photos

Used

2011 Kia Optima SX

165,177 mi.
$5,990
Est. $109/mo*
David Scott Lee Buick GMC
Crestview, FL (65 mi.)

Vehicle information

Ext. color: Platinum Graphite
Int. color: Black
Drivetrain: Front-wheel Drive
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: 26651A
VIN: KNAGR4A64B5133426

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start
Entertainment: Bluetooth®, CD Player, HomeLink, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof, Tow Hooks
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats
2020 Kia Optima S
2020 Kia Optima S
2020 Kia Optima S
2020 Kia Optima S
2020 Kia Optima S
2020 Kia Optima S View all 13 photos

Used

2020 Kia Optima S

93,107 mi.
$18,900
Est. $345/mo*
D'LUXE AUTO SALES
Destin, FL (51 mi.)
Call Check availability Check availability

Vehicle information

Ext. color: Black
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 24-32
Fuel type: Gasoline
Transmission: Automatic, 6-Spd w/H-Matic
Engine: Theta II 2.4L I-4 gasoline direct injection, DOHC, D-CVVT variab
Stock #: 09778
VIN: 5XXGT4L39LG405909

Features

Convenience: Keyless Entry, Keyless Start, Navigation System
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats
2015 Kia Optima EX
2015 Kia Optima EX
2015 Kia Optima EX
2015 Kia Optima EX
2015 Kia Optima EX
2015 Kia Optima EX View all 40 photos

Used

2015 Kia Optima EX

145,507 mi.
$6,558 $932 price drop
Est. $120/mo*
Step One Kia Fort Walton Beach
Fort Walton Beach, FL (60 mi.)
Call Check availability Check availability

Vehicle information

Ext. color: Snow White Pearl
Int. color: Beige
Drivetrain: Front-wheel Drive
MPG: 23-34
Fuel type: Gasoline
Transmission: Automatic
Engine: Theta II 2.4L I-4 gasoline direct injection, DOHC, variable valv
Stock #: 04X509598
VIN: 5XXGN4A76FG509598

Features

Convenience: Cooled Seats, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start
Entertainment: Bluetooth®, CD Player
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat
2016 Kia Optima LX
2016 Kia Optima LX
2016 Kia Optima LX
2016 Kia Optima LX
2016 Kia Optima LX
2016 Kia Optima LX View all 17 photos

Used

2016 Kia Optima LX

133,423 mi.
$8,899
Est. $162/mo*
Step One Kia Fort Walton Beach
Fort Walton Beach, FL (60 mi.)
Call Check availability Check availability

Vehicle information

Ext. color: Snow White Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 24-35
Fuel type: Gasoline
Transmission: Automatic
Engine: Theta II 2.4L I-4 gasoline direct injection, DOHC, CVVT variable
Stock #: TGG039024
VIN: 5XXGT4L34GG039024

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, HomeLink, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control
2018 Kia Optima SX Turbo
2018 Kia Optima SX Turbo
2018 Kia Optima SX Turbo
2018 Kia Optima SX Turbo
2018 Kia Optima SX Turbo
2018 Kia Optima SX Turbo View all 17 photos

Used

2018 Kia Optima SX Turbo

136,689 mi.
$9,997 $903 price drop
Est. $182/mo*
Step One Kia Fort Walton Beach
Fort Walton Beach, FL (60 mi.)
Call Check availability Check availability

Vehicle information

Ext. color: Horizon Blue
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 22-31
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: TJG232887
VIN: 5XXGV4L25JG232887

Features

Convenience: Adaptive Cruise Control, Cooled Seats, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Premium Sound System, USB Port
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat
No photo available

Used

2017 Kia Optima LX

137,690 mi.
$7,990
Est. $146/mo*
David Scott Lee Buick GMC
Crestview, FL (65 mi.)

Vehicle information

Ext. color: Horizon Blue
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 25-36
Fuel type: Gasoline
Transmission: 6-Speed Automatic with Sportmatic
Engine: Theta II 2.4L I-4 gasoline direct injection, DOHC, CVVT variable
Stock #: N25137AH
VIN: 5XXGT4L35HG174661

Features

Convenience: Keyless Entry
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, CD Player, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control
Seating: Memory Seat
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About the Kia Optima

FAQs

How much does the Kia Optima cost?

The Kia Optima price depends on several factors, including the trim level, optional features, mileage, vehicle history and location. The nationwide average price for the Optima is $10,856, with pricing starting at $1,100.

What is the MPG of the Kia Optima?

The Kia Optima with traditional internal combustion engine offers up to 25 MPG city and 36 MPG highway for a combined rating of 29 MPG.

These figures are based on EPA mileage ratings and are for comparison purposes only. The actual mileage will vary depending on the selected vehicle model year, trim, driving conditions, driving habits, vehicle maintenance, and other factors.

What are some similar vehicles and competitors of the Kia Optima?

The Kia Optima compares to and/or competes against the following vehicles:

What trim levels are available for the Kia Optima?

The Kia Optima is available in the following trim levels:

What model years are available for the Kia Optima?

Kia Optima inventory is available for the 2020 model year.

*Estimated payments are calculated by Cars.com and are for informational purposes only. We’ve estimated your taxes based on your provided ZIP code. These estimates do not include title, registration fees, lien fees, or any other fees that may be imposed by a governmental agency in connection with the sale and financing of the vehicle. Other taxes may apply. They do not represent a financing offer or a guarantee of credit from the seller. Actual terms vary by lender.

**Your Saved Vehicles list will be shared along with your contact information when you submit a vehicle request to a dealership. To opt out of this sharing, please view your options on Cars.com Privacy Notice.

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