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 insurance rates for a Kia Optima are $1,288 a year with full coverage. Comprehensive costs approximately $230, collision insurance costs $358, and liability coverage is $520. Buying just liability costs around $576 a year, and insurance for high-risk drivers costs around $2,778. 16-year-old drivers pay the highest rates at up to $5,050 a year.

Average premium for full coverage: $1,288

Price estimates by individual coverage:

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. 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 the price of insurance. Rural locations have lower incidents of collision claims than congested cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above demonstrate why everyone should compare rates quotes using their specific location, rather than using rate averages.

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

Additional Rate Information

The chart below details average Kia Optima insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $766
• Raising to $1,000 deductibles will save $134 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,288
• Buying pricier low deductibles bumps up the cost to $1,544
• Unlucky drivers with multiple tickets or accidents could pay around $2,778
• The price that insures 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 model of your Optima, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out 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 the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

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 $930 a year in states like Utah, Ohio, and New Hampshire, or at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $390 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $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 Right Kia Optima Insurance

Getting lower rates on auto insurance consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Comparison shop once a year by getting rate quotes from direct companies, and also from local insurance agencies.

The list below is a quick rundown of the data that was covered above.

• You may be able to save around $150 per year just by quoting online well ahead of the renewal date
• Consumers who purchase higher liability limits will pay around $570 every year to raise from a low limit to the 250/500 level
• Teenagers are the costliest to insure, costing up to $421 a month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions may have to pay on average $1,490 more per 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.