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 auto insurance rates for a Kia Optima are $1,244 annually including full coverage. Comprehensive insurance costs approximately $214 a year, collision costs $330, and liability coverage costs $520. Liability-only coverage costs as little as $576 a year, with high-risk coverage costing $2,682 or more. Teen drivers pay the most at $4,916 a year or more.

Average premium for full coverage: $1,244

Premium estimates by type of coverage:

Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Optima trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

These rate differences highlight why it is important to compare rates using their specific location and their own personal driving habits, rather than using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $742
• Drivers who choose higher $1,000 deductibles will pay $1,120 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,244
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $238 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,682 or more
• An auto insurance policy with full coverage for a teenage driver can cost $4,916 a year

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $370 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Kia Optima insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,770 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Every company uses a different rate calculation, so the prices will be substantially different between companies.

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 Buy Cheaper Kia Optima Insurance

Finding better rates on auto insurance not only requires having a good driving record, but also having a good credit history, refrain from filing small claims, and maximizing policy discounts. Set aside time to shop around at every other renewal by requesting rates from direct car insurance companies, and also from local insurance agencies.

The next list is a condensed summary of the concepts that were raised in the charts and tables above.

• Drivers with multiple at-fault accidents may have to pay on average $1,440 more per year to buy Kia Optima insurance
• Drivers age 20 and younger are expensive to insure, with the cost nearing $410 per month including comprehensive and collision insurance
• You may be able to save around $140 per year simply by quoting early and online
• Increasing policy deductibles could save up to $350 each year
• You may be able to save around $140 per year simply by quoting early and online

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.