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 for full coverage. Comprehensive costs around $230, collision costs $358, and liability coverage is $520. A policy with just liability insurance costs around $576 a year, with coverage for high-risk drivers costing around $2,778. Teen 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 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different Optima trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than larger metro areas.

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

The ranges above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $766
• Raising to $1,000 deductibles will save about $134 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,288
• Choosing more expensive low deductibles will increase the cost to $1,544
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,778 or more
• The price for full coverage for a teenage driver with full coverage can be $5,050

View Chart as Image

Insurance prices for a Kia Optima are also quite variable based on your driving record, the trim level of your Optima, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $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 $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,840 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $390 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,500 to $2,200 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 130% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so the prices may be quite different from one company to the next.

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 being a good driver, maintaining good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around at every policy renewal by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following list is a quick rundown of the data touched on above.

• Consumers who may need an increased level of liability coverage will pay about $570 each year to raise from a low limit to 250/500 limits
• Drivers can save up to $150 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $400 each year
• Drivers age 16 to 20 pay higher prices, with premiums as much as $421 a month for 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.