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.

Average auto insurance rates for a Kia Optima are $1,288 annually for full coverage. Comprehensive insurance costs an estimated $230, collision costs $358, and liability insurance costs $520. A liability-only policy costs as little as $576 a year, with high-risk insurance costing $2,778 or more. Teenage drivers receive the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Rate estimates broken down by individual coverage type:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all Optima models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities.

The example below illustrates how your location can change insurance prices.

These examples show why everyone should compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Analysis

The chart below shows estimated Kia Optima insurance rates for other coverage scenarios.

• The best discount rate is $766
• Drivers who choose higher $1,000 deductibles will pay approximately $134 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,288
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $256 a year
• High risk drivers who are prone to accidents and violations could pay up to $2,778 or more
• The cost with full coverage for a teen driver for full coverage can cost as much as $5,050 a year

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Insurance rates for a Kia Optima can also vary considerably based on the trim level of your Optima, your driver profile, and liability limits and deductibles.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,500 to $2,200 extra per year, depending on your age. Kia Optima insurance for high-risk drivers can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $390 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Kia Optima insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,840 on average in New York, Louisiana, and Michigan.

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With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, so the rates can be significantly 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 Cheapest Kia Optima Insurance

Saving money on Kia Optima insurance not only requires being a good driver, but also having a good credit history, eliminating unneeded coverage, and taking advantage of discounts. Invest the time to shop around at every other renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a recap of the concepts that were illustrated above.

• High-risk drivers that have major violations or accidents may pay on average $1,490 more annually than a safer driver
• Drivers age 16 to 20 are charged the highest rates, costing as high as $421 per month including comprehensive and collision insurance
• Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $400 each year
• Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date

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.