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 prices for a Kia Optima are $1,288 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $230 each year, collision costs $358, and liability coverage costs $520. Liability-only coverage costs as little as $576 a year, with high-risk coverage costing $2,778 or more. Teen drivers receive the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Rate estimates broken down by individual coverage type:

Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Optima models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates how rural and urban location affects insurance prices.

These examples illustrate why all drivers should compare rates for a targeted area and their own driving history, rather than using price averages.

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

Additional Rate Information

The chart below illustrates estimated Kia Optima insurance rates for other coverage scenarios.

• The lowest rate with discounts is $766
• Drivers who choose higher $1,000 deductibles will pay approximately $134 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,288
• Choosing low deductibles for comprehensive and collision insurance costs an extra $256 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,778 or more
• The cost to insure a teenage driver can cost as much as $5,050 a year

View Chart as Image

Car insurance rates for a Kia Optima can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Choosing high deductibles could save up to $390 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,500 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than average. View High Risk Driver Rates

Where you live makes a big difference in Kia Optima insurance rates. A 40-year-old driver could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,740 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, so rate quotes can be significantly 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 Shop for Affordable Kia Optima Insurance

Saving money on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a brief review of the data that was raised in the charts and tables above.

• It is possible to save approximately $150 per year simply by quoting online in advance
• Consumers who want higher levels of liability will pay about $570 annually to go from a minimum limit to a 250/500 level
• Teenage drivers have the highest car insurance rates, costing up to $421 per month if the policy includes full coverage
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,490 more annually for auto insurance

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.