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.

The average insurance rates for a Kia Optima are $1,288 a year with full coverage. Comprehensive insurance costs around $230 a year, collision insurance costs $358, and liability is estimated at $520. Liability-only coverage costs approximately $576 a year, and high-risk coverage costs $2,778 or more. Teenage drivers cost the most to insure at up to $5,050 a year.

Average premium for full coverage: $1,288

Policy rates for type of insurance:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why it is important to get quotes for a specific zip code, instead of using average rates.

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

Rates by State, City, and Model

The chart below details average Kia Optima insurance rates for additional coverage choices and driver risks.

• The best discount rate is $766
• Choosing higher $1,000 deductibles can save about $1,154 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,288
• Using low $100 deductibles for comp and collision coverage will cost an additional $256 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,778
• Policy cost that insures a teen driver can be $5,050 each year

View Chart as Image

Insurance rates for a Kia Optima also range considerably based on the trim level of your Optima, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,500 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Optima insurance prices. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $390 every year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

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 Find the Best Cheap Kia Optima Insurance

Finding cheaper rates on car insurance takes avoiding accidents and claims, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices at every other renewal by quoting rates from direct companies, and also from your local independent and exclusive agents.

The points below are a quick review of the concepts that were covered above.

• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,490 more every year to insure a Kia Optima
• Drivers under the age of 20 are charged the highest rates, as much as $421 each month if comprehensive and collision insurance is included
• You may be able to save up to $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• You may be able to save up to $150 per year just by quoting early and online

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.