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2013 Kia Optima Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 30, 2021

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Average insurance rates for a 2013 Kia Optima are $1,288 a year with full coverage. Comprehensive costs an estimated $230 a year, collision costs $358, and liability costs around $520. Buying a liability-only policy costs as low as $576 a year, with high-risk insurance costing around $2,778. Teen drivers receive the highest rates at $5,050 a year or more.

Annual premium for full coverage: $1,288

Rate estimates for 2013 Kia Optima Insurance

Comprehensive $230
Collision $358
Liability $520

Rate data is compiled from all 50 U.S. states and averaged for all 2013 Kia Optima models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $576 for basic liability insurance to a high of $2,778 for a driver that may need high-risk insurance.

Liability Only $576
Full Coverage $1,288
High Risk $2,778

View Chart as Image

2013 Kia Optima insurance rates compared
Column chart showing 2013 Kia Optima insurance prices range from $766 to $5,050 for full coverage

These differences demonstrate why it is important for drivers to compare prices for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2013 Kia Optima Insurance

Searching Companies

You might be asking, “Is the 2013 Kia Optima a good car?” Searching for the lowest cost 2013 Kia Optima insurance rates on the internet can seem to be rather challenging for consumers not familiar with shopping for insurance online. With such a large number of online companies available, how can anyone have a chance to compare every company to locate the best available rates?

It’s a great practice to shop coverage around at least once a year since rates are usually higher with each renewal. If you had the lowest price on 2013 Kia Optima coverage last year you can probably find a better price now. You can find a lot of misleading information regarding insurance coverage online but by reading this article, you’re going to learn some tested techniques to put money back in your pocket.

Fast and Easy 2013 Kia Optima Car Insurance Quotes

Shopping for lower car insurance rates can take time and effort if you don’t know the best way to get rate quotes. You could waste a few hours discussing policy coverages with agents in your area, or you can stay home and use the web to get pricing more quickly.

Many companies are enrolled in a marketplace where insurance shoppers complete one form, and every company returns a rated price. This system prevents you from having to do quote forms to each company.

To compare pricing click here to start a free quote.

One minor caviat to doing it this way is you don’t know exactly the companies to receive prices from. If you wish to select specific insurance companies for rate comparison, we have assembled a list of low cost car insurance companies in your area. Click to view list.

Which method you use is up to you, but ensure you’re using exactly the same coverage information for each comparison quote. If you enter mixed coverages then you won’t be able to truly determine the lowest rate. Quoting even small variations in coverages can make a big difference in price. It’s important to know that quoting more will improve the odds of getting the best price.

Are you getting all your 2013 Kia Optima discounts?

Companies that sell car insurance do not advertise all their discounts in a way that’s easy to find, so the following is a list of some of the best known and the more hidden discounts you could be receiving.

  • Government Employees – Active or retired federal employment could cut as much as 10% off on Optima coverage with certain companies.
  • Driver Safety – Completing a course teaching defensive driving skills could save 5% or more if you qualify.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same auto insurance policy qualifies for this discount.
  • Clubs and Organizations – Being a member of certain professional organizations is a good way to get lower rates on your policy on Optima coverage.

Keep in mind that some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

Companies who might offer some of the above discounts include:

  • State Farm
  • American Family
  • 21st Century
  • Progressive

Double check with every prospective company which discounts you may be entitled to. Some discounts might not apply in every state.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Tailor your 2013 Kia Optima coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique.

These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • When do I need to add a new car to my policy?
  • Do I pay less for low miles?
  • What if I don’t agree with a claim settlement offer?
  • How much can I save by bundling my policies?
  • What is medical payments coverage?
  • Can I still get insurance after a DUI?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

2013 Kia Optima Insurance Specifics

Having a good grasp of your policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Liability car insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers claims such as pain and suffering, emergency aid, bail bonds, legal defense fees and medical expenses. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, a tree branch falling on your vehicle, hitting a deer, damage from flooding and damage from a tornado or hurricane. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your Optima resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a parking meter, crashing into a ditch, hitting a mailbox, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Kia Optima.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for surgery, nursing services, chiropractic care, X-ray expenses and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2013 Kia Optima Insurance Rates by City
City Premium
New York City, NY $2,037
Los Angeles, CA $2,199
Philadelphia, PA $1,716
Jacksonville, FL $1,868
Phoenix, AZ $1,498
Chicago, IL $1,724
Houston, TX $2,015
Seattle, WA $1,252
Columbus, OH $1,074
Indianapolis, IN $1,096

Need a specific model?

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Rates by Driver Age

2013 Kia Optima Insurance Rates by Driver Age
Driver Age Premium
16 $5,050
20 $2,956
30 $1,320
40 $1,288
50 $1,180
60 $1,156

Full coverage, $500 deductibles

Rates by Deductible

2013 Kia Optima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,544
$250 $1,426
$500 $1,288
$1,000 $1,154

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,288
50/100 $1,392
100/300 $1,522
250/500 $1,860
100 CSL $1,444
300 CSL $1,730
500 CSL $1,938

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Kia Optima Insurance Rates for High Risk Drivers
Age Premium
16 $7,152
20 $4,712
30 $2,816
40 $2,778
50 $2,654
60 $2,630

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $176

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $69
Homeowner $21
5-yr Accident Free $85
5-yr Claim Free $82
Paid in Full/EFT $51
Advance Quote $59
Online Quote $89
Total Discounts $522
Rate after discounts $766

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2013 Kia Optima Insurance Rates by State
State Premium
Alabama $1,164
Alaska $986
Arizona $1,070
Arkansas $1,288
California $1,466
Colorado $1,228
Connecticut $1,322
Delaware $1,458
Florida $1,610
Georgia $1,190
Hawaii $924
Idaho $872
Illinois $958
Indiana $970
Iowa $868
Kansas $1,222
Kentucky $1,754
Louisiana $1,906
Maine $796
Maryland $1,062
Massachusetts $1,028
Michigan $2,232
Minnesota $1,078
Mississippi $1,542
Missouri $1,142
Montana $1,382
Nebraska $1,014
Nevada $1,546
New Hampshire $928
New Jersey $1,438
New Mexico $1,140
New York $1,358
North Carolina $742
North Dakota $1,056
Ohio $888
Oklahoma $1,322
Oregon $1,178
Pennsylvania $1,226
Rhode Island $1,718
South Carolina $1,166
South Dakota $1,086
Tennessee $1,124
Texas $1,550
Utah $952
Vermont $882
Virginia $770
Washington $994
West Virginia $1,178
Wisconsin $890
Wyoming $1,146

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