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 including full coverage. Comprehensive costs on average $230, collision costs $358, and liability coverage costs $520. Buying just liability costs as little as $576 a year, with insurance for high-risk drivers costing around $2,778. 16-year-old drivers receive the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different Optima trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates the effect of geographic area on car insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than using rate averages.

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

Additional Rate Details

The chart below breaks down estimated Kia Optima insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $766
• Drivers who choose higher $1,000 deductibles will pay around $134 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,288
• Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,544
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,778 or more
• The cost for full coverage for a teenage driver with full coverage may cost $5,050 a year

View Chart as Image

Auto insurance rates for a Kia Optima can also vary considerably based on your driver profile, the model of your Optima, and policy deductibles and limits.

An older driver with a good driving record and high deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $5,000 a year. View Rates by Age

Where you live makes a big difference in Kia Optima insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,840 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could save up to $390 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance can cost around 44% to 130% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to compare rates and see how they stack up. Every company utilizes a different rate formula, and quoted rates can be significantly 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 Low Cost Kia Optima Insurance

Saving money on auto insurance not only requires being a good driver, but also having good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates once a year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following list is a review of the data that was covered in the above illustrations.

• You may be able to save as much as $150 per year simply by shopping early and online
• Consumers who require an increased level of liability coverage will pay around $570 per year to go from a minimum limit to 250/500 limits
• Drivers age 16 to 20 are charged the highest rates, as much as $421 per month if they have full coverage
• Drivers who have several accidents or serious violations may pay on average $1,490 more each year than a safer driver

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.