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 $1,244 a year with full coverage. Comprehensive insurance costs approximately $214, collision costs $330, and liability insurance costs $520. A liability-only policy costs as little as $576 a year, with high-risk insurance costing $2,682 or more. 16-year-old drivers cost the most to insure at $4,916 a year or more.

Average premium for full coverage: $1,244

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Optima models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why everyone should compare rates using their specific location, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $742
• Drivers who choose higher $1,000 deductibles will pay $124 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,244
• Buying pricier low deductibles for comprehensive and collision insurance will cost an additional $238 a year
• High risk drivers with multiple tickets or accidents could pay around $2,682 or more
• Policy cost that insures a teen driver for full coverage can cost $4,916 a year

View Chart as Image

Car insurance rates for a Kia Optima also range considerably based on the model of your Optima, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. Kia Optima insurance for high-risk drivers can cost anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age

Your home state makes a big difference in Kia Optima insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or at least $1,680 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $370 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from as many companies as possible. Every company utilizes a different rate formula, so rate quotes will be varied.

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

Finding cheaper rates on Kia Optima insurance not only requires having a decent driving record, but also having a positive credit history, not filing small claims, and avoiding coverage lapses. Comparison shop at least every other year by getting rate quotes from direct companies, and also from local insurance agencies.

The following items are a recap of the car insurance concepts covered above.

• High-risk drivers that have major violations or accidents may have to pay on average $1,440 more per year than a driver with a clean driving record
• You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Drivers who purchase additional liability coverage will pay around $570 every year to go from a 30/60 limit to the 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.