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 for full coverage insurance. Comprehensive insurance costs approximately $214, collision costs $330, and liability insurance is $520. Liability-only insurance costs around $576 a year, with high-risk driver insurance costing $2,682 or more. Teens cost the most to insure at $4,916 a year or more.

Average premium for full coverage: $1,244

Policy rates by type of insurance:

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $742
• Raising to $1,000 deductibles will save $124 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,244
• Selecting more expensive low deductibles will cost an extra $238 a year
• Higher-risk drivers with serious driving violations could pay around $2,682 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $4,916

View Chart as Image

Auto insurance rates for a Kia Optima also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state also has a big influence on Kia Optima insurance rates. A middle-age driver might find rates as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,680 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $370 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and quoted 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 Low Cost Kia Optima Insurance

Finding cheaper rates on Kia Optima insurance consists of being a good driver, having good credit, being claim-free, and not having any coverage lapses. Make time to compare rates at every other renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a review of the concepts that were touched on in this article.

• High-risk drivers who have several accidents or serious violations may pay on average $1,440 more per year than a safer driver
• Drivers age 16 to 20 have the highest car insurance rates, possibly costing $410 each month if they have full coverage
• It is possible to save around $140 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $350 each year
• It is possible to save around $140 per year simply by shopping 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.