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 rates for a Kia Optima are $1,288 a year with full coverage. Comprehensive insurance costs an estimated $230, collision insurance costs $358, and liability costs around $520. Liability-only insurance costs as low as $576 a year, and high-risk driver insurance costs $2,778 or more. Teens cost the most to insure at up to $5,050 a year.

Average premium for full coverage: $1,288

Policy rates broken down by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below details average Kia Optima insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $766
• Using higher $1,000 deductibles will save approximately $134 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,288
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $256 annually
• High-risk insureds with serious driving violations could pay up to $2,778
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $5,050 or more

View Chart as Image

Auto insurance rates for a Kia Optima also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $5,000 a year. View Rates by Age

Your home state has a huge impact on Kia Optima insurance prices. A driver around age 40 might see rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,740 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 $390 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance can be from 44% to 130% more than the average policy. View High Risk Driver Rates

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 More Affordable Kia Optima Insurance

Finding cheaper rates on insurance for a Kia Optima requires being a low-risk driver, having good credit, not filing small claims, and consideration of higher deductibles. Set aside time to shop around once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a summary of the data that was raised in the charts and tables above.

• You may be able to save approximately $150 per year just by shopping early and online
• Insureds who want more liability coverage will pay approximately $570 every year to increase from a 30/60 limit to 250/500 limits
• Teen drivers are the costliest to insure, as much as $421 each month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,490 more annually to insure their Optima

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.