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.

Estimated insurance rates for a Kia Optima are $1,244 a year for full coverage insurance. Comprehensive costs on average $214 a year, collision costs $330, and liability is estimated at $520. A policy with only liability insurance costs approximately $576 a year, with a high-risk policy costing around $2,682. Teens pay the most at $4,916 a year or more.

Average premium for full coverage: $1,244

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Optima trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how your location can change car insurance rates.

These rate differences illustrate why it is important to get quotes based on a specific location, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below illustrates estimated Kia Optima insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $742
• Choosing higher $1,000 deductibles can save around $1,120 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,244
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,482
• Higher-risk drivers with serious driving violations could pay upwards of $2,682 or more
• An auto insurance policy that insures a 16-year-old driver may cost $4,916 each year

View Chart as Image

Car insurance prices for a Kia Optima also have a wide range based on the trim level of your Optima, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy ranges from 43% to 134% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Kia Optima insurance prices. A good driver about age 40 could pay as low as $810 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,680 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $370 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Each auto insurer calculates prices differently, so rate quotes will be substantially different.

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 Affordable Kia Optima Insurance

Finding better rates on insurance for a Kia Optima takes avoiding accidents and claims, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates every couple of years by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a brief review of the material that was illustrated above.

• Insureds who require increased liability limits will pay approximately $570 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
• Drivers under the age of 20 are expensive to insure, with premiums being up to $410 per month if full coverage is purchased
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,440 more each year to insure a Kia Optima
• Increasing policy deductibles can save approximately $350 each year

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.