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.

U.S. average insurance rates for a Kia Optima are $1,244 a year for full coverage insurance. Comprehensive insurance costs around $214, collision insurance costs $330, and liability costs $520. Liability-only coverage costs as little as $576 a year, and high-risk coverage costs $2,682 or more. Teens pay the highest rates at up to $4,916 a year.

Average premium for full coverage: $1,244

Price estimates for individual coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Optima models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance rates.

The ranges above illustrate why everyone should compare rates for a specific zip code, instead of using averaged prices.

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

More Rate Details

The chart below illustrates average Kia Optima insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $742
• Drivers who choose higher $1,000 deductibles will pay about $124 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,244
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $238 every year
• Higher-risk drivers with serious driving violations could pay at least $2,682
• The price that insures a teen driver for full coverage can be $4,916 a year

View Chart as Image

Auto insurance prices for a Kia Optima are also quite variable based on the model of your Optima, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,500 to $2,100 in extra premium each year, depending on your age. Kia Optima insurance for high-risk drivers can cost as much as 43% to 134% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $4,900 a year. View Rates by Age

The state you live in makes a big difference in Kia Optima insurance prices. A 40-year-old driver 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 could save up to $370 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

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 Cheap Kia Optima Insurance

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare rates at every other renewal by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a quick review of the concepts that were touched on in this article.

• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,440 more every year for car insurance
• Teenagers are expensive to insure, as much as $410 a month if the policy includes full coverage
• It is possible to save up to $140 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $350 each year
• It is possible to save up to $140 per year just by quoting online well ahead of the renewal date

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.