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.

U.S. average auto insurance rates for a Kia Optima are $1,288 annually for full coverage. Comprehensive costs approximately $230, collision costs $358, and liability coverage is $520. Buying just liability costs around $576 a year, with insurance for high-risk drivers costing around $2,778. Teen drivers pay the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Price estimates by individual coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all Optima models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations have fewer accident claims than larger metro areas.

The example below illustrates how where you live affects auto insurance prices.

The ranges above show why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

The chart below shows estimated Kia Optima insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $766
• Raising to $1,000 deductibles will save $134 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,288
• Choosing pricier low deductibles will cost $1,544
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,778 or more
• The price with full coverage for a teenage driver for full coverage can cost $5,050

View Chart as Image

Insurance prices for a Kia Optima are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,500 to $2,200 additional each year, depending on your age. Kia Optima insurance for high-risk drivers is expensive and can cost around 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $390 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Kia Optima insurance rates. A middle-age driver might find prices as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,840 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, and prices may be quite different between companies.

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 Buy the Right Kia Optima Insurance

Getting lower rates on auto insurance consists of avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a quick rundown of the car insurance concepts touched on in the above illustrations.

• Drivers with reckless driving or DUI convictions pay on average $1,490 more per year to insure a Kia Optima
• Drivers can save around $150 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $400 each year
• Consumers who purchase increased liability limits will pay about $570 each year to raise from a low limit to higher 250/500 limits

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.