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.

Estimated insurance rates for a Kia Optima are $1,288 a year for full coverage. Comprehensive insurance costs approximately $230, collision insurance costs $358, and liability insurance costs around $520. A policy with only liability insurance costs as low as $576 a year, and a high-risk policy costs $2,778 or more. Teen drivers pay the most at up to $5,050 a year.

Average premium for full coverage: $1,288

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different Optima trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance prices.

These rate differences show why anyone shopping for car insurance should compare prices using their specific location, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $766
• Using higher $1,000 deductibles will save $134 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,288
• Choosing more expensive low deductibles for physical damage coverage will cost an additional $256 a year
• Drivers with multiple violations and an at-fault accident could pay around $2,778
• An auto insurance policy that insures a teen driver with full coverage can cost $5,050 or more

View Chart as Image

Car insurance prices for a Kia Optima also have a wide range based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,500 to $2,200 extra annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 130% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $5,000 a year. View Rates by Age

Where you choose to live has a huge impact on Kia Optima insurance rates. A driver around age 40 might see 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

Choosing high deductibles could cut prices by as much as $390 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 extra every 12 months. 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 Low Cost Kia Optima Insurance

Finding better rates on Kia Optima insurance requires having a decent driving record, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Shop around every couple of years by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The following items are a review of the material that was touched on in this article.

• Drivers who purchase additional liability coverage will pay about $570 each year to increase from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers pay the highest auto insurance prices, as much as $421 per month if full coverage is purchased
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,490 more per year than a driver with a clean driving record
• Increasing policy deductibles can save approximately $400 each year

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.