Kia Optima Insurance Rates

If you are struggling with the best way to shop for a Kia Optima insurance policy, this article is for you. Drivers pay an average of $1,454 per year for Optima auto insurance and that can fluctuate based on a variety of factors, such as the age of the vehicle.

For example, 2013 Kia Optima insurance rates are more affordable than what you might find when looking at 2015 Kia Optima insurance costs.

In order to adequately prepare yourself to shop for a policy like a pro, be sure to read through this detailed article. When you’re ready, be sure to enter your five-digit ZIP code to compare Kia Optima rates from multiple companies.

Average insurance prices for a Kia Optima are $1,288 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $230 each year, collision costs $358, and liability costs around $520. A policy with just liability insurance costs as low as $576 a year, with coverage for high-risk drivers costing $2,778 or more. Teen drivers receive the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Rate estimates broken down by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Optima models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates the difference location can make on insurance prices.

These examples illustrate why all drivers should compare prices for a targeted area and their own driving history, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates estimated Kia Optima insurance rates for other coverage scenarios.

• The lowest rate with discounts is $766
• Using higher $1,000 deductibles will save approximately $134 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,288
• Choosing low deductibles for physical damage coverage costs an extra $256 annually
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,778 or more
• The cost to insure a 16-year-old driver can cost as much as $5,050 or more

View Chart as Image

Insurance rates for a Kia Optima can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Choosing high deductibles could cut rates by as much as $390 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,500 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than average. View High Risk Driver Rates

Where you live has a huge impact on Kia Optima insurance prices. A driver around age 40 might see rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,740 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Low Cost Kia Optima Insurance

Saving money on insurance for a Kia Optima requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates at every policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a review of the data touched on in this article.

• Insureds who want higher liability limits will pay about $570 annually to increase from a minimum limit to a 250/500 level
• It is possible to save approximately $150 per year simply by quoting online in advance
• Increasing deductibles could save as much as $400 each year
• Teenagers are expensive to insure, costing up to $421 per month if full coverage is included

As you can see from some of the information we’ve gone over to this point, there are several individual factors that influence Optima car insurance rates. Take advantage of our free quote tool below to compare quotes from top companies right now.

What are the safety ratings of the Kia Optima?

The safety ratings of the Kia Optima are important to understand because your insurance provider is going to be interested in knowing about the durability of your car.

Take a look at the following crash test ratings of the Kia Optima with results posted by the Insurance Institute for Highway Safety.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

For a brief frame of reference, “Good” is the highest rating possible. The fact that the Kia Optima received this score in every part of the car that was tested is great news if you want an affordable policy.

Kia Optima Compared Against Other Vehicles in the Same Class

If you are curious to know how the Kia Optima stacks up to other similar models, take a look at the following midsize four-door sedans.

Each page provides information on the insurance rates for each comparable model so you can cross-reference them with the Kia Optima.

• Chevrolet Malibu
• Hyundai Sonata
• Volkswagen Jetta

Data from the IIHS shows that the Kia Optima has a bodily injury loss percentage of 34 percent and a property damage loss percentage of 9 percent. Both of these figures are a bit worse than average for this vehicle class, which might contribute to your insurance rates.

Now that we have gone into great detail about how Kia Optima insurance rates are calculated, is there anything we might have missed? If not, start comparing Kia Optima quotes from multiple companies by taking advantage of our free online tool.