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 prices for a Kia Optima are $1,288 every 12 months for full coverage insurance. Comprehensive insurance costs around $230, collision costs $358, and liability coverage is estimated at $520. Liability-only coverage costs approximately $576 a year, with high-risk coverage costing $2,778 or more. Teens cost the most to insure at $5,050 a year or more.

Average premium for full coverage: $1,288

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how location impacts auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $766
• Choosing higher $1,000 deductibles can save about $134 each year
• The average price for a good driver age 40 using $500 deductibles is $1,288
• Selecting more expensive low deductibles for comp and collision coverage costs an extra $256 each year
• Drivers with serious driving violations could pay at least $2,778 or more
• Policy cost to insure a teenage driver with full coverage can be $5,050 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,500 to $2,200 additional every year, depending on your age. High-risk driver insurance ranges around 44% to 130% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Kia Optima insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to compare rates and see how they stack up. Each auto insurer calculates rates differently, and rates will be varied.

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 Shop for Affordable Kia Optima Insurance

Finding cheaper rates on auto insurance takes being safe and accident-free, having above-average credit, being claim-free, and taking advantage of discounts. Spend time shopping around once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below you'll find a brief review of the data that was touched on above.

• It is possible to save up to $150 per year simply by shopping early and online
• Consumers who may need more liability protection will pay approximately $570 annually to raise limits from a 30/60 limit to a 250/500 level
• Youthful drivers are charged the highest rates, possibly costing $421 each month if full coverage is included
• Drivers with DUI or reckless driving convictions may pay on average $1,490 more every year than a low-risk driver

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.