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.

Estimated insurance rates for a Kia Optima are $1,288 a year for full coverage. Comprehensive costs approximately $230 each year, collision costs $358, and liability costs around $520. A liability-only policy costs as low as $576 a year, with high-risk insurance costing around $2,778. 16-year-old drivers pay the most at $5,050 a year or more.

Average premium for full coverage: $1,288

Premium estimates by type of coverage:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and Optima models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than congested cities.

The graphic below illustrates how where you live affects auto insurance prices.

These rate differences show why all drivers should compare prices using their specific location and risk profile, instead of using rate averages.

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

Additional Rate Details

The chart below shows estimated Kia Optima insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $766
• Using higher $1,000 deductibles will save $134 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,288
• Buying low deductibles for physical damage coverage will increase the cost to $1,544
• Drivers with multiple tickets or accidents could pay around $2,778 or more
• An auto insurance policy for full coverage for a teen driver can cost $5,050 or more

View Chart as Image

Auto insurance prices for a Kia Optima also have a wide range based on your driving characteristics, the trim level of your Optima, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay in the ballpark of $5,000 a year. View Rates by Age

Where you choose to live 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 Iowa, Maine, and Idaho, or at least $1,840 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $390 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,500 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can be as much as 44% to 130% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Each insurance company utilizes a different rate formula, and quoted prices will be substantially 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 Affordable Kia Optima Insurance

Finding better rates on car insurance requires having a good driving record, having good credit, not filing small claims, and not having any coverage lapses. Take the time to comparison shop at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a brief review of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,490 more per year to buy Kia Optima insurance
• Drivers can save around $150 per year simply by quoting online in advance
• Increasing policy deductibles can save around $400 each year
• Policyholders who purchase increased levels of liability coverage will pay around $570 each year to increase from 30/60 bodily injury limits to 250/500 limits

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.