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 prices for a Kia Optima are $1,288 every 12 months for full coverage insurance. Comprehensive costs approximately $230 each year, collision insurance costs $358, and liability is estimated at $520. A policy with just liability insurance costs approximately $576 a year, and coverage for high-risk drivers costs around $2,778. 16-year-old drivers pay the highest rates at up to $5,050 a year.

Average premium for full coverage: $1,288

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Optima models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than congested cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above illustrate why all drivers should get quotes using their specific location and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below illustrates average Kia Optima insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $766
• Choosing higher $1,000 deductibles can save $134 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,288
• Buying low deductibles for comp and collision coverage increases the price to $1,544
• Higher-risk drivers with multiple tickets or accidents could pay around $2,778
• The price to insure a 16-year-old driver can cost $5,050 each year

View Chart as Image

Insurance prices for a Kia Optima are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Optima.

Opting for high physical damage deductibles can save as much as $390 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers ranges from 44% to 130% more than the average rate. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Kia Optima insurance prices. A good driver about age 40 could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $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 Shop for the Best Kia Optima Insurance

Getting lower rates on insurance for a Kia Optima takes avoiding accidents and claims, having good credit, not filing small claims, and possibly raising deductibles. Take the time to compare rates every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a brief recap of the information covered in the above illustrations.

• It is possible to save around $150 per year just by quoting online in advance
• Drivers under the age of 20 are expensive to insure, as much as $421 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $400 each year
• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,490 more per year to insure a Kia Optima
• Insureds who purchase increased liability limits will pay around $570 annually to raise limits from a low limit to a 250/500 level

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.