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 $1,244 a year with full coverage. Comprehensive insurance costs around $214, collision costs $330, and liability coverage costs around $520. Liability-only coverage costs as low as $576 a year, with high-risk coverage costing $2,682 or more. Teen drivers cost the most to insure at $4,916 a year or more.

Average premium for full coverage: $1,244

Policy rates for type of insurance:

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $742
• Using higher $1,000 deductibles will save about $124 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,244
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $238 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,682 or more
• Policy cost for full coverage for a teenage driver with full coverage can be $4,916 or more

View Chart as Image

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

An older driver with no violations or accidents and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $4,900 a year. View Rates by Age

Your home state has a huge impact on Kia Optima insurance rates. A driver around age 40 might see rates as low as $900 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,680 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $370 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can be around 43% to 134% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, and rates will be varied from one company to the next.

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 Right Kia Optima Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having a good credit history, not filing small claims, and taking advantage of discounts. Invest the time to compare rates once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a quick rundown of the data that was presented in the illustrations above.

• You may be able to save up to $140 per year simply by shopping early and online
• Consumers who may need higher liability limits will pay about $570 every year to increase from a 30/60 limit to 250/500 limits
• Teenagers are charged the highest rates, as much as $410 each month including comprehensive and collision insurance
• Drivers with reckless driving or DUI convictions pay an average of $1,440 more every year for car insurance

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.