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

Average premium for full coverage: $1,288

Rate estimates broken down by individual coverage type:

Full coverage includes $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Optima models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities. The example below illustrates how location helps determine insurance prices.

These examples demonstrate why everyone should compare prices for a targeted area and risk profile, instead of using average rates.

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

Rate Comparisons

The chart below details average Kia Optima insurance rates for other coverage scenarios.

• The best discount rate is $766
• Using higher $1,000 deductibles will save approximately $134 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $1,288
• Using pricier low deductibles for physical damage coverage will increase the cost to $1,544
• Drivers who are prone to accidents and violations could pay up to $2,778
• The cost for full coverage for a teen driver for full coverage can cost as much as $5,050 or more

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $5,000 a year. View Rates by Age

Where you live has a huge impact on Kia Optima insurance prices. A driver around age 40 might see rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

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

If you like to drive fast or tend to cause accidents, you may be forking out $1,500 to $2,200 extra per year, depending on your age. Kia Optima insurance for high-risk drivers can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

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 More Affordable Kia Optima Insurance

Saving money on car insurance requires not taking risks behind the wheel, maintaining good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates at every policy renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a summary of the data covered in the charts and tables above.

• Policyholders who want higher liability limits will pay an extra $570 every year to increase from a minimum limit to 250/500 limits
• You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $400 each year
• Teens are charged the highest rates, with premiums as much as $421 per 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.