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.

The average insurance prices for a Kia Optima are $1,244 every 12 months for full coverage. Comprehensive insurance costs on average $214 each year, collision insurance costs $330, and liability is $520. Liability-only coverage costs around $576 a year, and high-risk coverage costs $2,682 or more. Teen drivers cost the most to insure at up to $4,916 a year.

Average premium for full coverage: $1,244

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Optima models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas. The graphic below illustrates how where you live affects car insurance rates.

The examples above show why all drivers should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below shows average Kia Optima insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $742
• Raising to $1,000 deductibles will save around $124 a year
• The average price for a good driver age 40 with $500 deductibles is $1,244
• Choosing low deductibles costs an extra $238 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,682
• Policy cost to insure a 16-year-old driver may cost $4,916

View Chart as Image

Insurance rates for a Kia Optima also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Optima.

Choosing high deductibles can reduce rates by up to $370 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 134% more than average. View High Risk Driver Rates

Your home state also has a big influence on Kia Optima insurance prices. A middle-age driver might find rates as low as $820 a year in states like Idaho, Maine, and Iowa, or as much as $1,770 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Shop for the Best Kia Optima Insurance

Finding cheaper rates on insurance for a Kia Optima consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop at least every other year by quoting rates from direct carriers, and also from local independent and exclusive agents.

The following items are a brief recap of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk who tend to receive serious violations pay an average of $1,440 more each year than a driver with a clean driving record
• Drivers can save as much as $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Insureds who require additional liability coverage will pay about $570 each year to raise from a 30/60 limit to a 250/500 level

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.