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 insurance. Comprehensive insurance costs approximately $230, collision costs $358, and liability is estimated at $520. Buying just liability costs approximately $576 a year, with insurance for high-risk drivers costing $2,778 or more. Teens pay the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Price estimates by individual coverage:

Prices are based on $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Optima models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance prices.

The ranges above illustrate why everyone should get quotes using their specific location, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $766
• Choosing higher $1,000 deductibles can save $134 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,288
• Selecting pricier low deductibles for comp and collision coverage will cost an additional $256 every year
• Unlucky drivers with serious driving violations could pay around $2,778 or more
• The price that insures a teen driver for full coverage can cost $5,050 each year

View Chart as Image

Insurance prices for a Kia Optima are also quite variable based on the model of your Optima, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,200 additional each year, depending on your age. Kia Optima insurance for high-risk drivers ranges as much as 44% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Kia Optima insurance prices. A good driver about age 40 could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,740 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices and see which company has the best price. Each auto insurer calculates prices differently, and prices may be quite 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 Affordable Kia Optima Insurance

Getting lower rates on car insurance takes not taking risks behind the wheel, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare rates every couple of years by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following is a brief review of the material that was covered in the above illustrations.

• Policyholders who purchase higher liability limits will pay approximately $570 annually to raise limits from a low limit to the 250/500 level
• Teens are the costliest to insure, as much as $421 a month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,490 more per year for Optima insurance
• Increasing physical damage deductibles can save approximately $400 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.