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 auto insurance rates for a Kia Optima are $1,288 annually including full coverage. Comprehensive costs on average $230, collision costs $358, and liability costs $520. Liability-only coverage costs as little as $576 a year, with high-risk coverage costing around $2,778. 16-year-old drivers pay the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. 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. Rural areas have fewer comprehensive and collision claims than congested cities.

The example below illustrates how rural and urban location affects car insurance rates.

The ranges above highlight why everyone should compare rates based on a specific location and their own personal driving habits, instead of using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $766
• Drivers who choose higher $1,000 deductibles will pay around $134 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,288
• Buying pricier low deductibles for comprehensive and collision insurance will cost $1,544
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,778 or more
• The price with full coverage for a teen driver for full coverage may cost $5,050 a year

View Chart as Image

Auto insurance prices for a Kia Optima are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,200 in extra premium each year, depending on your age. Kia Optima insurance for high-risk drivers can cost as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $390 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Kia Optima insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,840 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Every company utilizes a different rate formula, and quoted prices may be quite different between companies.

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 Buy Affordable Kia Optima Insurance

Getting lower rates on car insurance not only requires being a low-risk driver, but also having above-average credit, being claim-free, and taking advantage of discounts. Set aside time to shop around at least once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a brief review of the primary concepts that were raised in the charts and tables above.

• You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,490 more each year to insure their Optima
• Increasing physical damage deductibles could save up to $400 each year
• Teen drivers are charged the highest prices, possibly costing $421 a month if full coverage is included

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.