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2017 Kia Optima Insurance Rates

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

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: Dec 1, 2021

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Average insurance rates for a 2017 Kia Optima are $1,414 a year with full coverage. Comprehensive insurance costs around $274, collision costs $474, and liability insurance costs $486. Buying a liability-only policy costs as little as $548 a year, with high-risk insurance costing $3,054 or more. Teen drivers receive the highest rates at $5,408 a year or more.

Annual premium for full coverage: $1,414

Rate estimates for 2017 Kia Optima Insurance

Comprehensive $274
Collision $474
Liability $486

Rate data is compiled from all 50 U.S. states and averaged for all 2017 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 a 40-year-old driver, prices range go from as low as $548 for just liability insurance to the much higher price of $3,054 for high-risk insurance.

Liability Only $548
Full Coverage $1,414
High Risk $3,054

View Chart as Image

2017 Kia Optima insurance rates compared
Column chart showing 2017 Kia Optima insurance prices range from $825 to $5,408 for full coverage

These differences demonstrate why everyone should compare rates for a specific zip code and risk profile, rather than relying 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 2017 Kia Optima Insurance

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Having to pay for overpriced Kia Optima insurance can sap your bank account and require stricter spending habits. Price shopping at each renewal can be a smart way to slash your bill and have more diposable income.

Numerous car insurance companies battle for your business, so it can be very hard to choose a insurer to discover the definitive lowest cost out there.

Discount auto insurance rates

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that you may not know about. A few discounts will be applied at the time of quoting, but once in a while a discount must be asked for prior to receiving the credit.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can get savings of 25 to 30%.
  • Drive Less and Save – Fewer annual miles on your Kia could be rewarded with substantially lower premium rates.
  • Payment Method – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.
  • Paper-free Discount – A few larger online companies may give you up to $50 simply for signing digitally online.
  • Save with a New Car – Buying a new car model can cost up to 25% less since new model year vehicles have better safety ratings.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
  • Defensive Driver Discount – Completing a driver safety class could save 5% or more if your company offers it.

Drivers should understand that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, it doesn’t quite work that way.

For a list of insurance companies with discount rates, click here to view.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your vehicles, there is no one size fits all plan. Each situation is unique so your insurance needs to address that. These are some specific questions might help in determining if you might need professional guidance.

  • If my 2017 Kia Optima is totaled, can I afford another vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What can I do if my company won’t pay a claim?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is the rate difference between pleasure use and commuting?
  • Is a fancy paint job covered?
  • Am I covered if hit by an uninsured driver?
  • What if I owe more than I can insure my car for?
  • Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Detailed coverages of your car insurance policy

Understanding the coverages of car insurance aids in choosing the right coverages for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from car insurance companies.

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to other’s property or people. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as structural damage, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

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Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a mailbox, colliding with a tree, rolling your car, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses like rehabilitation expenses, hospital visits and dental work. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Kia Optima.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, theft and vandalism. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

And the best car insurance company is…

We covered some good ideas how to lower your 2017 Kia Optima insurance prices. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the lowest prices come from the least-expected company. These companies often have lower rates on specific markets than the large multi-state companies such as Progressive and GEICO.

Some companies do not provide the ability to get quotes online and most of the time these smaller companies only sell through local independent agencies. Discount 2017 Kia Optima insurance can be found online and also from your neighborhood agents, and you should compare rates from both to have the best rate selection.

More information can be read on the following sites:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2017 Kia Optima Insurance Rates by City
City Premium
New York City, NY $2,229
Los Angeles, CA $2,412
Philadelphia, PA $1,884
Jacksonville, FL $2,049
Phoenix, AZ $1,644
Chicago, IL $1,894
Houston, TX $2,210
Seattle, WA $1,373
Columbus, OH $1,181
Indianapolis, IN $1,205

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2017 Kia Optima Insurance Rates by Driver Age
Driver Age Premium
16 $5,408
20 $3,256
30 $1,462
40 $1,414
50 $1,294
60 $1,268

Full coverage, $500 deductibles

Rates by Deductible

2017 Kia Optima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,744
$250 $1,592
$500 $1,414
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,414
50/100 $1,511
100/300 $1,633
250/500 $1,949
100 CSL $1,560
300 CSL $1,827
500 CSL $2,022

Full coverage, driver age 40

Rates for High Risk Drivers

2017 Kia Optima Insurance Rates for High Risk Drivers
Age Premium
16 $7,684
20 $5,184
30 $3,108
40 $3,054
50 $2,916
60 $2,890

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 $195

Potential Rate Discounts

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

Discount Savings
Multi-policy $74
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $99
5-yr Claim Free $91
Paid in Full/EFT $61
Advance Quote $68
Online Quote $99
Total Discounts $589
Rate after discounts $825

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

Find companies with the cheapest rates in your area

2017 Kia Optima Insurance Rates by State
State Premium
Alabama $1,276
Alaska $1,084
Arizona $1,174
Arkansas $1,414
California $1,608
Colorado $1,348
Connecticut $1,450
Delaware $1,598
Florida $1,766
Georgia $1,306
Hawaii $1,012
Idaho $958
Illinois $1,052
Indiana $1,066
Iowa $954
Kansas $1,340
Kentucky $1,926
Louisiana $2,092
Maine $874
Maryland $1,166
Massachusetts $1,128
Michigan $2,452
Minnesota $1,182
Mississippi $1,694
Missouri $1,252
Montana $1,518
Nebraska $1,114
Nevada $1,694
New Hampshire $1,020
New Jersey $1,580
New Mexico $1,250
New York $1,486
North Carolina $814
North Dakota $1,158
Ohio $976
Oklahoma $1,450
Oregon $1,294
Pennsylvania $1,346
Rhode Island $1,884
South Carolina $1,282
South Dakota $1,194
Tennessee $1,234
Texas $1,700
Utah $1,042
Vermont $968
Virginia $844
Washington $1,090
West Virginia $1,294
Wisconsin $978
Wyoming $1,258

Free Auto Insurance Comparison

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