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 auto insurance rates for a Kia Optima are $1,288 annually for full coverage insurance. Comprehensive insurance costs an estimated $230, collision insurance costs $358, and liability insurance costs $520. A liability-only policy costs as little as $576 a year, and high-risk insurance costs $2,778 or more. Teen drivers 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:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. More rural locations are shown to have fewer physical damage claims than larger metro areas. The price range example below illustrates how where you live affects insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $766
• Drivers who choose higher $1,000 deductibles will pay approximately $134 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,288
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $256 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,778
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $5,050 a year

View Chart as Image

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

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,500 to $2,200 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $390 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Kia Optima insurance rates. A 40-year-old driver could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,740 on average in Florida, New York, and Michigan.

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 Buy Affordable Kia Optima Insurance

Finding cheaper rates on Kia Optima insurance not only requires being a low-risk driver, but also having a good credit score, being claim-free, and possibly higher deductibles. Take the time to comparison shop every year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief review of the coverage data touched on in the above illustrations.

• It is possible to save approximately $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $400 each year
• Teen drivers have the highest car insurance rates, possibly costing $421 each month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions 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.