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 prices for a Kia Optima are $1,288 every 12 months for full coverage. Comprehensive costs around $230, collision costs $358, and liability costs around $520. Liability-only insurance costs as low as $576 a year, with high-risk driver insurance costing around $2,778. Teenage drivers pay the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Price estimates for individual coverage:

Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all Optima models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population have more infrequent accident claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance rates.

The ranges above show why everyone should compare prices for a specific zip code and their own driving history, instead of making a decision based 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 additional coverage choices and driver risks.

• The best discount rate is $766
• Using higher $1,000 deductibles will save about $134 a year
• The average price for the average middle-age driver using $500 deductibles is $1,288
• Using pricier low deductibles for physical damage coverage increases the price to $1,544
• High-risk insureds who are prone to accidents and violations could pay at least $2,778 or more
• The price to insure a 16-year-old driver for full coverage can be $5,050 or more

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Car insurance prices for a Kia Optima are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.

Using high physical damage deductibles could cut prices by as much as $390 annually, whereas buying more liability protection will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at least $1,500 to $2,200 extra each year, depending on your age. Kia Optima insurance for high-risk drivers can be from 44% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Kia Optima insurance prices. A driver around age 40 might see prices as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,840 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know your exact price is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different.

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 the Right Kia Optima Insurance

Getting lower rates on insurance for a Kia Optima requires being a safe and courteous driver, maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a quick rundown of the primary concepts that were touched on in this article.

• Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,490 more every year for auto insurance
• Increasing physical damage deductibles could save as much as $400 each year
• Teenage drivers are the costliest to insure, with premiums as much as $421 a month if the policy includes full coverage

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.