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 $1,244 a year with full coverage. Comprehensive insurance costs approximately $214 each year, collision costs $330, and liability costs around $520. A liability-only policy costs as low as $576 a year, with high-risk insurance costing $2,682 or more. Teens receive the highest rates at $4,916 a year or more.

Average premium for full coverage: $1,244

Rate estimates by individual coverage type:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Optima models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. Rural locations tend to have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates how your location can change auto insurance prices.

These examples demonstrate why all drivers should compare prices using their specific location, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $742
• Using higher $1,000 deductibles will save $124 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,244
• Selecting low deductibles for physical damage coverage will cost an additional $238 every year
• Drivers with serious driving violations could pay around $2,682 or more
• The cost that insures a teen driver can cost $4,916 or more

View Chart as Image

Insurance rates for a Kia Optima can also vary considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 134% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 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 $900 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,680 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $370 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company calculates rates differently, so the rates can be significantly 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 Find the Cheapest Kia Optima Insurance

Saving money on car insurance requires avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Compare rates every couple of years by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a recap of the material that was illustrated above.

• Policyholders who purchase higher liability limits will pay approximately $570 every year to increase from a minimum limit to the 250/500 level
• Teenagers are expensive to insure, with premiums as much as $410 per month if full coverage is included
• Higher risk drivers that have major violations or accidents may have to pay on average $1,440 more per year for car insurance
• Increasing deductibles can save approximately $350 each year

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.