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.

Average insurance rates for a Kia Optima are $1,244 a year including full coverage. Comprehensive costs on average $214 each year, collision insurance costs $330, and liability insurance costs around $520. Buying just liability costs as low as $576 a year, and insurance for high-risk drivers costs around $2,682. Teens receive the highest rates at up to $4,916 a year.

Average premium for full coverage: $1,244

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Optima models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how your location can change car insurance rates.

These examples highlight why all drivers should compare prices based on a specific location and risk profile, rather than relying on averaged prices.

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

More Rate Information

The chart below breaks down average Kia Optima insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $742
• Using higher $1,000 deductibles will save around $124 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,244
• Selecting low deductibles for physical damage coverage will increase the cost to $1,482
• Drivers with serious driving violations could pay upwards of $2,682
• The cost for full coverage for a teen driver may cost $4,916 or more

View Chart as Image

Auto insurance rates for a Kia Optima can also vary considerably based on your driver profile, the model of your Optima, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $4,900 a year. View Rates by Age

Where you live has a huge impact on Kia Optima insurance rates. A driver around age 40 might see rates as low as $950 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,770 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $370 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 134% 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 the Best Kia Optima Insurance

Saving money on Kia Optima insurance requires avoiding accidents and claims, having good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around every other policy renewal by requesting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The points below are a brief recap of the ideas that were illustrated above.

• Drivers under the age of 20 are charged the highest rates, as much as $410 per month if they have full coverage
• High-risk drivers who tend to receive serious violations may pay on average $1,440 more each year to insure a Kia Optima
• Increasing deductibles can save around $350 each year
• You may be able to save as much as $140 per year just by quoting online in advance

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.